Call reports 2007
UNITED SOUTHERN BANK — 2007
What UNITED SOUTHERN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 181,401,000 | 184,051,000 | 189,501,000 | 195,794,000 |
| Total loans | 103,248,000 | 108,048,000 | 114,806,000 | 120,568,000 |
| Allowance for loan losses | 940,000 | 973,000 | 979,000 | 1,005,000 |
| Securities available for sale | 57,025,000 | 58,936,000 | 57,732,000 | 55,895,000 |
| Securities held to maturity | 4,284,000 | 4,144,000 | 3,834,000 | 3,663,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,939,000 | 167,568,000 | 173,075,000 | 179,071,000 |
| Interest-bearing deposits | 144,124,000 | 146,856,000 | 152,461,000 | 159,205,000 |
| Noninterest-bearing deposits | 21,815,000 | 20,712,000 | 20,614,000 | 19,866,000 |
| Equity capital | 15,001,000 | 14,753,000 | 15,152,000 | 15,953,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,579,000 | 5,309,000 | 8,138,000 | 11,062,000 |
| Interest expense | 1,477,000 | 3,075,000 | 4,736,000 | 6,457,000 |
| Net interest income | 1,102,000 | 2,234,000 | 3,402,000 | 4,605,000 |
| Noninterest income | 170,000 | 359,000 | 547,000 | 752,000 |
| Noninterest expense | 980,000 | 1,993,000 | 3,015,000 | 4,057,000 |
| Provision for loan losses | 0 | 25,000 | 35,000 | 57,000 |
| Pretax income | 292,000 | 575,000 | 899,000 | 1,243,000 |
| Income tax | 4,000 | 6,000 | 18,000 | 24,000 |
| Net income | 288,000 | 569,000 | 881,000 | 1,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,911,000 | 15,188,000 | 15,496,000 | 15,712,000 |
| Total capital | 15,851,000 | 16,161,000 | 16,475,000 | 16,717,000 |
| Risk-weighted assets | 118,787,000 | 122,347,000 | 128,286,000 | 133,064,000 |