Call reports 2016
UNITED SOUTHERN BANK — 2016
What UNITED SOUTHERN BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 261,683,000 | 248,870,000 | 245,363,000 | 246,801,000 |
| Total loans | 197,955,000 | 173,255,000 | 171,420,000 | 173,941,000 |
| Allowance for loan losses | 4,840,000 | 4,047,000 | 3,947,000 | 3,934,000 |
| Securities available for sale | 37,311,000 | 49,884,000 | 49,924,000 | 46,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,068,000 | 214,958,000 | 206,054,000 | 200,503,000 |
| Interest-bearing deposits | 187,863,000 | 177,167,000 | 168,263,000 | 160,799,000 |
| Noninterest-bearing deposits | 42,205,000 | 37,791,000 | 37,791,000 | 39,704,000 |
| Equity capital | 22,952,000 | 24,492,000 | 24,973,000 | 24,142,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,709,000 | 5,142,000 | 7,498,000 | 9,869,000 |
| Interest expense | 281,000 | 551,000 | 814,000 | 1,060,000 |
| Net interest income | 2,428,000 | 4,591,000 | 6,684,000 | 8,809,000 |
| Noninterest income | 341,000 | 1,452,000 | 1,793,000 | 2,096,000 |
| Noninterest expense | 2,147,000 | 4,122,000 | 6,072,000 | 7,914,000 |
| Provision for loan losses | 1,947,000 | 2,032,000 | 2,107,000 | 2,107,000 |
| Pretax income | -1,325,000 | -111,000 | 298,000 | 926,000 |
| Income tax | 131,000 | 0 | 72,000 | 235,000 |
| Net income | -1,456,000 | -111,000 | 226,000 | 691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,957,000 | 24,082,000 | 24,334,000 | 23,880,000 |
| Total capital | 25,447,000 | 26,366,000 | 26,607,000 | 26,177,000 |
| Risk-weighted assets | 196,870,000 | 180,967,000 | 180,036,000 | 181,650,000 |