Call reports 2015
UNITED SOUTHERN BANK — 2015
What UNITED SOUTHERN BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 269,843,000 | 272,717,000 | 271,210,000 | 266,094,000 |
| Total loans | 204,781,000 | 211,507,000 | 211,946,000 | 206,183,000 |
| Allowance for loan losses | 2,348,000 | 2,822,000 | 2,821,000 | 2,958,000 |
| Securities available for sale | 40,198,000 | 36,064,000 | 34,394,000 | 31,609,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,953,000 | 224,440,000 | 219,101,000 | 230,507,000 |
| Interest-bearing deposits | 184,674,000 | 180,206,000 | 180,236,000 | 185,684,000 |
| Noninterest-bearing deposits | 43,279,000 | 44,234,000 | 38,865,000 | 44,823,000 |
| Equity capital | 25,103,000 | 23,614,000 | 24,289,000 | 24,081,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,638,000 | 5,327,000 | 8,121,000 | 10,862,000 |
| Interest expense | 253,000 | 506,000 | 770,000 | 1,049,000 |
| Net interest income | 2,385,000 | 4,821,000 | 7,351,000 | 9,813,000 |
| Noninterest income | 283,000 | 476,000 | 815,000 | 1,189,000 |
| Noninterest expense | 2,163,000 | 4,422,000 | 6,655,000 | 9,236,000 |
| Provision for loan losses | 0 | 1,500,000 | 1,500,000 | 1,650,000 |
| Pretax income | 505,000 | -487,000 | 149,000 | 492,000 |
| Income tax | 145,000 | 73,000 | 60,000 | 38,000 |
| Net income | 360,000 | -560,000 | 89,000 | 454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,834,000 | 23,724,000 | 24,186,000 | 24,262,000 |
| Total capital | 27,182,000 | 26,393,000 | 26,916,000 | 26,874,000 |
| Risk-weighted assets | 198,614,000 | 213,414,000 | 218,378,000 | 208,664,000 |