Call reports 2017
UNITED SOUTHERN BANK — 2017
What UNITED SOUTHERN BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 235,545,000 | 228,718,000 | 228,180,000 | 230,590,000 |
| Total loans | 167,276,000 | 160,978,000 | 164,061,000 | 165,651,000 |
| Allowance for loan losses | 4,018,000 | 4,130,000 | 4,136,000 | 3,841,000 |
| Securities available for sale | 44,532,000 | 44,574,000 | 42,609,000 | 41,135,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,336,000 | 196,429,000 | 188,931,000 | 192,139,000 |
| Interest-bearing deposits | 156,234,000 | 153,559,000 | 149,192,000 | 147,606,000 |
| Noninterest-bearing deposits | 41,102,000 | 42,870,000 | 39,739,000 | 44,533,000 |
| Equity capital | 24,447,000 | 25,140,000 | 25,039,000 | 24,547,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,278,000 | 4,632,000 | 6,934,000 | 9,294,000 |
| Interest expense | 232,000 | 456,000 | 672,000 | 896,000 |
| Net interest income | 2,046,000 | 4,176,000 | 6,262,000 | 8,398,000 |
| Noninterest income | 323,000 | 649,000 | 986,000 | 1,315,000 |
| Noninterest expense | 1,929,000 | 3,676,000 | 5,962,000 | 7,732,000 |
| Provision for loan losses | 125,000 | 200,000 | 200,000 | 0 |
| Pretax income | 317,000 | 951,000 | 1,092,000 | 1,987,000 |
| Income tax | 81,000 | 240,000 | 269,000 | 1,087,000 |
| Net income | 236,000 | 711,000 | 823,000 | 900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,021,000 | 24,517,000 | 24,428,000 | 24,610,000 |
| Total capital | 26,221,000 | 26,638,000 | 26,564,000 | 26,760,000 |
| Risk-weighted assets | 174,037,000 | 167,521,000 | 168,765,000 | 170,170,000 |