Call reports 2006
UNITED SOUTHERN BANK — 2006
What UNITED SOUTHERN BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 158,966,000 | 157,592,000 | 164,307,000 | 172,099,000 |
| Total loans | 89,910,000 | 93,067,000 | 96,256,000 | 99,564,000 |
| Allowance for loan losses | 974,000 | 984,000 | 976,000 | 940,000 |
| Securities available for sale | 39,912,000 | 42,174,000 | 47,894,000 | 51,919,000 |
| Securities held to maturity | 7,026,000 | 6,425,000 | 5,425,000 | 4,595,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,738,000 | 143,964,000 | 149,154,000 | 156,911,000 |
| Interest-bearing deposits | 128,859,000 | 126,023,000 | 131,512,000 | 137,878,000 |
| Noninterest-bearing deposits | 16,879,000 | 17,941,000 | 17,642,000 | 19,033,000 |
| Equity capital | 12,959,000 | 13,319,000 | 14,532,000 | 14,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,072,000 | 4,259,000 | 6,577,000 | 9,036,000 |
| Interest expense | 945,000 | 2,011,000 | 3,256,000 | 4,626,000 |
| Net interest income | 1,127,000 | 2,248,000 | 3,321,000 | 4,410,000 |
| Noninterest income | 166,000 | 329,000 | 1,216,000 | 1,359,000 |
| Noninterest expense | 906,000 | 1,814,000 | 2,671,000 | 3,735,000 |
| Provision for loan losses | 25,000 | 35,000 | 35,000 | 70,000 |
| Pretax income | 365,000 | 731,000 | 1,834,000 | 1,967,000 |
| Income tax | 0 | 0 | 325,000 | 283,000 |
| Net income | 365,000 | 731,000 | 1,509,000 | 1,684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,429,000 | 13,792,000 | 14,571,000 | 14,624,000 |
| Total capital | 14,403,000 | 14,776,000 | 15,547,000 | 15,564,000 |
| Risk-weighted assets | 103,349,000 | 105,861,000 | 109,871,000 | 113,278,000 |