Call reports 2005
UNITED SOUTHERN BANK — 2005
What UNITED SOUTHERN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 137,515,000 | 141,237,000 | 146,605,000 | 152,707,000 |
| Total loans | 93,287,000 | 93,666,000 | 94,591,000 | 93,681,000 |
| Allowance for loan losses | 955,000 | 971,000 | 978,000 | 950,000 |
| Securities available for sale | 24,568,000 | 25,789,000 | 29,394,000 | 34,993,000 |
| Securities held to maturity | 8,207,000 | 7,816,000 | 7,616,000 | 7,571,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,810,000 | 127,944,000 | 132,930,000 | 139,249,000 |
| Interest-bearing deposits | 108,309,000 | 110,815,000 | 116,935,000 | 122,290,000 |
| Noninterest-bearing deposits | 16,501,000 | 17,129,000 | 15,995,000 | 16,959,000 |
| Equity capital | 12,369,000 | 12,820,000 | 13,124,000 | 13,072,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,596,000 | 3,290,000 | 5,138,000 | 7,122,000 |
| Interest expense | 571,000 | 1,202,000 | 1,949,000 | 2,805,000 |
| Net interest income | 1,025,000 | 2,088,000 | 3,189,000 | 4,317,000 |
| Noninterest income | 134,000 | 265,000 | 405,000 | 544,000 |
| Noninterest expense | 786,000 | 1,602,000 | 2,476,000 | 3,384,000 |
| Provision for loan losses | 10,000 | 25,000 | 35,000 | 63,000 |
| Pretax income | 363,000 | 726,000 | 1,083,000 | 1,414,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 363,000 | 726,000 | 1,083,000 | 1,414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,139,000 | 12,503,000 | 12,859,000 | 13,065,000 |
| Total capital | 13,094,000 | 13,474,000 | 13,837,000 | 14,015,000 |
| Risk-weighted assets | 97,603,000 | 98,614,000 | 100,727,000 | 102,812,000 |