Call reports 2012
UNITED SOUTHERN BANK — 2012
What UNITED SOUTHERN BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 244,752,000 | 245,770,000 | 244,806,000 | 248,413,000 |
| Total loans | 185,171,000 | 189,649,000 | 188,527,000 | 185,310,000 |
| Allowance for loan losses | 3,173,000 | 3,321,000 | 3,264,000 | 3,709,000 |
| Securities available for sale | 43,966,000 | 39,778,000 | 39,126,000 | 44,304,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,246,000 | 214,848,000 | 218,499,000 | 219,937,000 |
| Interest-bearing deposits | 189,764,000 | 187,269,000 | 189,548,000 | 189,034,000 |
| Noninterest-bearing deposits | 29,482,000 | 27,579,000 | 28,951,000 | 30,903,000 |
| Equity capital | 23,969,000 | 24,492,000 | 24,991,000 | 24,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,736,000 | 5,472,000 | 8,249,000 | 11,005,000 |
| Interest expense | 425,000 | 803,000 | 1,167,000 | 1,513,000 |
| Net interest income | 2,311,000 | 4,669,000 | 7,082,000 | 9,492,000 |
| Noninterest income | 241,000 | 498,000 | 786,000 | 1,080,000 |
| Noninterest expense | 1,969,000 | 4,009,000 | 5,953,000 | 8,247,000 |
| Provision for loan losses | 126,000 | 252,000 | 486,000 | 936,000 |
| Pretax income | 457,000 | 1,097,000 | 1,650,000 | 1,627,000 |
| Income tax | 134,000 | 314,000 | 455,000 | 418,000 |
| Net income | 323,000 | 783,000 | 1,195,000 | 1,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,791,000 | 23,195,000 | 23,554,000 | 23,387,000 |
| Total capital | 25,031,000 | 25,463,000 | 25,811,000 | 25,644,000 |
| Risk-weighted assets | 178,257,000 | 180,424,000 | 179,547,000 | 180,114,000 |