Call reports 2013
UNITED SOUTHERN BANK — 2013
What UNITED SOUTHERN BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 262,186,000 | 251,979,000 | 251,509,000 | 250,669,000 |
| Total loans | 179,024,000 | 179,240,000 | 180,013,000 | 178,904,000 |
| Allowance for loan losses | 1,764,000 | 1,897,000 | 1,973,000 | 1,887,000 |
| Securities available for sale | 60,538,000 | 51,809,000 | 51,479,000 | 46,089,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,178,000 | 221,445,000 | 221,658,000 | 217,533,000 |
| Interest-bearing deposits | 196,415,000 | 189,139,000 | 188,115,000 | 181,328,000 |
| Noninterest-bearing deposits | 35,763,000 | 32,306,000 | 33,543,000 | 36,205,000 |
| Equity capital | 24,709,000 | 23,500,000 | 23,811,000 | 25,359,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,503,000 | 5,110,000 | 7,738,000 | 10,325,000 |
| Interest expense | 326,000 | 618,000 | 892,000 | 1,160,000 |
| Net interest income | 2,177,000 | 4,492,000 | 6,846,000 | 9,165,000 |
| Noninterest income | 243,000 | 494,000 | 749,000 | 1,048,000 |
| Noninterest expense | 1,766,000 | 3,543,000 | 5,534,000 | 7,813,000 |
| Provision for loan losses | 410,000 | 628,000 | 700,000 | 700,000 |
| Pretax income | 345,000 | 1,079,000 | 1,625,000 | 2,057,000 |
| Income tax | 45,000 | 330,000 | 525,000 | 516,000 |
| Net income | 300,000 | 749,000 | 1,100,000 | 1,541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,633,000 | 24,023,000 | 24,263,000 | 26,189,000 |
| Total capital | 25,397,000 | 25,920,000 | 26,237,000 | 28,076,000 |
| Risk-weighted assets | 179,085,000 | 179,345,000 | 180,449,000 | 183,195,000 |