Call reports 2014
UNITED SOUTHERN BANK — 2014
What UNITED SOUTHERN BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 261,304,000 | 257,415,000 | 256,988,000 | 266,613,000 |
| Total loans | 177,992,000 | 184,327,000 | 192,196,000 | 201,218,000 |
| Allowance for loan losses | 1,817,000 | 1,897,000 | 2,389,000 | 2,390,000 |
| Securities available for sale | 55,025,000 | 46,143,000 | 41,631,000 | 37,766,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,910,000 | 220,196,000 | 214,096,000 | 228,263,000 |
| Interest-bearing deposits | 189,457,000 | 183,372,000 | 179,326,000 | 186,664,000 |
| Noninterest-bearing deposits | 40,453,000 | 36,824,000 | 34,770,000 | 41,599,000 |
| Equity capital | 25,979,000 | 26,713,000 | 25,068,000 | 24,946,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,582,000 | 5,115,000 | 7,727,000 | 10,406,000 |
| Interest expense | 244,000 | 484,000 | 713,000 | 968,000 |
| Net interest income | 2,338,000 | 4,631,000 | 7,014,000 | 9,438,000 |
| Noninterest income | 296,000 | 654,000 | 1,662,000 | 1,972,000 |
| Noninterest expense | 2,064,000 | 4,165,000 | 6,293,000 | 8,485,000 |
| Provision for loan losses | 0 | 75,000 | 600,000 | 600,000 |
| Pretax income | 638,000 | 1,188,000 | 1,931,000 | 2,474,000 |
| Income tax | 180,000 | 343,000 | 492,000 | 785,000 |
| Net income | 458,000 | 845,000 | 1,439,000 | 1,689,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,459,000 | 26,899,000 | 25,214,000 | 24,946,000 |
| Total capital | 28,276,000 | 28,796,000 | 27,603,000 | 27,336,000 |
| Risk-weighted assets | 185,259,000 | 190,755,000 | 194,405,000 | 203,411,000 |