Call reports 2009
UNITED SOUTHERN BANK — 2009
What UNITED SOUTHERN BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 212,654,000 | 217,330,000 | 226,562,000 | 226,194,000 |
| Total loans | 157,488,000 | 162,429,000 | 172,515,000 | 178,202,000 |
| Allowance for loan losses | 1,353,000 | 1,408,000 | 1,610,000 | 1,782,000 |
| Securities available for sale | 32,708,000 | 41,117,000 | 38,506,000 | 28,741,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,499,000 | 191,517,000 | 195,260,000 | 204,053,000 |
| Interest-bearing deposits | 168,083,000 | 167,886,000 | 171,222,000 | 177,250,000 |
| Noninterest-bearing deposits | 23,416,000 | 23,631,000 | 24,038,000 | 26,803,000 |
| Equity capital | 20,612,000 | 20,190,000 | 20,746,000 | 20,964,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,546,000 | 5,133,000 | 7,702,000 | 10,297,000 |
| Interest expense | 1,144,000 | 2,232,000 | 3,267,000 | 4,256,000 |
| Net interest income | 1,402,000 | 2,901,000 | 4,435,000 | 6,041,000 |
| Noninterest income | 222,000 | 473,000 | 722,000 | 985,000 |
| Noninterest expense | 1,219,000 | 2,428,000 | 3,839,000 | 5,260,000 |
| Provision for loan losses | 50,000 | 125,000 | 325,000 | 500,000 |
| Pretax income | 359,000 | 734,000 | 930,000 | 1,239,000 |
| Income tax | 115,000 | 233,000 | 296,000 | 310,000 |
| Net income | 244,000 | 501,000 | 634,000 | 929,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,785,000 | 20,983,000 | 21,064,000 | 21,256,000 |
| Total capital | 22,138,000 | 22,391,000 | 22,674,000 | 23,038,000 |
| Risk-weighted assets | 154,075,000 | 158,057,000 | 166,461,000 | 171,846,000 |