Call reports 2004
UNITED SOUTHERN BANK — 2004
What UNITED SOUTHERN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 123,143,000 | 124,130,000 | 128,907,000 | 134,003,000 |
| Total loans | 83,606,000 | 87,250,000 | 91,111,000 | 92,648,000 |
| Allowance for loan losses | 842,000 | 899,000 | 939,000 | 950,000 |
| Securities available for sale | 20,804,000 | 20,834,000 | 21,611,000 | 21,437,000 |
| Securities held to maturity | 8,798,000 | 8,667,000 | 8,607,000 | 8,207,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,883,000 | 112,398,000 | 116,177,000 | 121,247,000 |
| Interest-bearing deposits | 97,834,000 | 99,343,000 | 102,252,000 | 104,988,000 |
| Noninterest-bearing deposits | 13,049,000 | 13,055,000 | 13,925,000 | 16,259,000 |
| Equity capital | 11,758,000 | 11,452,000 | 12,119,000 | 12,252,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,328,000 | 2,683,000 | 4,132,000 | 5,674,000 |
| Interest expense | 498,000 | 983,000 | 1,487,000 | 2,042,000 |
| Net interest income | 830,000 | 1,700,000 | 2,645,000 | 3,632,000 |
| Noninterest income | 125,000 | 252,000 | 396,000 | 536,000 |
| Noninterest expense | 649,000 | 1,325,000 | 2,074,000 | 2,849,000 |
| Provision for loan losses | 45,000 | 95,000 | 135,000 | 161,000 |
| Pretax income | 265,000 | 536,000 | 836,000 | 1,162,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 265,000 | 536,000 | 836,000 | 1,162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,981,000 | 11,250,000 | 11,552,000 | 11,778,000 |
| Total capital | 11,823,000 | 12,149,000 | 12,491,000 | 12,728,000 |
| Risk-weighted assets | 86,794,000 | 88,908,000 | 92,465,000 | 94,349,000 |