Call reports 2003
UNITED SOUTHERN BANK — 2003
What UNITED SOUTHERN BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 112,265,000 | 117,684,000 | 117,770,000 | 119,855,000 |
| Total loans | 72,390,000 | 77,286,000 | 80,009,000 | 80,708,000 |
| Allowance for loan losses | 611,000 | 624,000 | 798,000 | 796,000 |
| Securities available for sale | 17,544,000 | 18,279,000 | 18,637,000 | 19,636,000 |
| Securities held to maturity | 10,070,000 | 9,819,000 | 9,539,000 | 9,388,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,434,000 | 105,858,000 | 106,273,000 | 108,180,000 |
| Interest-bearing deposits | 89,314,000 | 93,716,000 | 94,309,000 | 94,921,000 |
| Noninterest-bearing deposits | 12,120,000 | 12,142,000 | 11,964,000 | 13,259,000 |
| Equity capital | 10,633,000 | 11,198,000 | 11,011,000 | 11,215,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,251,000 | 2,559,000 | 3,877,000 | 5,204,000 |
| Interest expense | 605,000 | 1,206,000 | 1,764,000 | 2,289,000 |
| Net interest income | 646,000 | 1,353,000 | 2,113,000 | 2,915,000 |
| Noninterest income | 105,000 | 328,000 | 464,000 | 596,000 |
| Noninterest expense | 601,000 | 1,218,000 | 1,848,000 | 2,555,000 |
| Provision for loan losses | 15,000 | 30,000 | 150,000 | 150,000 |
| Pretax income | 135,000 | 433,000 | 579,000 | 806,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 135,000 | 433,000 | 579,000 | 806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,052,000 | 10,349,000 | 10,494,000 | 10,672,000 |
| Total capital | 10,663,000 | 10,973,000 | 11,292,000 | 11,468,000 |
| Risk-weighted assets | 84,288,000 | 83,683,000 | 83,283,000 | 83,731,000 |