Call reports 2011
UNITED SOUTHERN BANK — 2011
What UNITED SOUTHERN BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 248,077,000 | 252,899,000 | 248,197,000 | 252,185,000 |
| Total loans | 185,712,000 | 187,965,000 | 185,919,000 | 189,867,000 |
| Allowance for loan losses | 2,665,000 | 2,641,000 | 2,913,000 | 3,081,000 |
| Securities available for sale | 44,023,000 | 46,498,000 | 44,774,000 | 44,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,011,000 | 225,610,000 | 221,896,000 | 221,268,000 |
| Interest-bearing deposits | 195,727,000 | 196,577,000 | 192,865,000 | 190,815,000 |
| Noninterest-bearing deposits | 30,284,000 | 29,033,000 | 29,031,000 | 30,453,000 |
| Equity capital | 21,877,000 | 22,851,000 | 23,518,000 | 23,627,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,673,000 | 5,466,000 | 8,270,000 | 11,060,000 |
| Interest expense | 735,000 | 1,426,000 | 2,063,000 | 2,581,000 |
| Net interest income | 1,938,000 | 4,040,000 | 6,207,000 | 8,479,000 |
| Noninterest income | 231,000 | 486,000 | 733,000 | 956,000 |
| Noninterest expense | 1,626,000 | 3,392,000 | 5,207,000 | 7,220,000 |
| Provision for loan losses | 150,000 | 250,000 | 400,000 | 550,000 |
| Pretax income | 389,000 | 880,000 | 1,360,000 | 1,695,000 |
| Income tax | 104,000 | 249,000 | 388,000 | 384,000 |
| Net income | 285,000 | 631,000 | 972,000 | 1,311,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,759,000 | 22,051,000 | 22,338,000 | 22,521,000 |
| Total capital | 24,043,000 | 24,344,000 | 24,625,000 | 24,831,000 |
| Risk-weighted assets | 182,373,000 | 183,102,000 | 182,348,000 | 184,061,000 |