Call reports 2010
UNITED SOUTHERN BANK — 2010
What UNITED SOUTHERN BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 230,519,000 | 234,528,000 | 242,399,000 | 243,876,000 |
| Total loans | 176,914,000 | 176,966,000 | 183,656,000 | 187,515,000 |
| Allowance for loan losses | 1,907,000 | 1,824,000 | 1,956,000 | 2,588,000 |
| Securities available for sale | 32,125,000 | 34,701,000 | 37,870,000 | 37,545,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,115,000 | 212,194,000 | 218,992,000 | 222,258,000 |
| Interest-bearing deposits | 182,964,000 | 185,648,000 | 192,461,000 | 191,312,000 |
| Noninterest-bearing deposits | 26,151,000 | 26,546,000 | 26,531,000 | 30,946,000 |
| Equity capital | 21,118,000 | 21,849,000 | 22,567,000 | 21,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,467,000 | 5,041,000 | 7,859,000 | 10,573,000 |
| Interest expense | 922,000 | 1,805,000 | 2,678,000 | 3,492,000 |
| Net interest income | 1,545,000 | 3,236,000 | 5,181,000 | 7,081,000 |
| Noninterest income | 216,000 | 459,000 | 725,000 | 972,000 |
| Noninterest expense | 1,377,000 | 2,829,000 | 4,358,000 | 5,968,000 |
| Provision for loan losses | 140,000 | 260,000 | 500,000 | 1,600,000 |
| Pretax income | 244,000 | 642,000 | 1,093,000 | 532,000 |
| Income tax | 86,000 | 198,000 | 330,000 | 56,000 |
| Net income | 158,000 | 444,000 | 763,000 | 476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,359,000 | 21,592,000 | 21,857,000 | 21,529,000 |
| Total capital | 23,266,000 | 23,416,000 | 23,813,000 | 23,803,000 |
| Risk-weighted assets | 173,547,000 | 175,855,000 | 181,021,000 | 181,670,000 |