Call reports 2018
UNITED SOUTHERN BANK — 2018
What UNITED SOUTHERN BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 220,678,000 | 219,122,000 | 222,290,000 | 223,491,000 |
| Total loans | 156,489,000 | 154,464,000 | 159,360,000 | 163,638,000 |
| Allowance for loan losses | 3,790,000 | 3,192,000 | 2,816,000 | 2,685,000 |
| Securities available for sale | 41,588,000 | 40,344,000 | 38,737,000 | 37,575,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,449,000 | 188,544,000 | 186,153,000 | 188,531,000 |
| Interest-bearing deposits | 146,142,000 | 143,082,000 | 139,973,000 | 140,316,000 |
| Noninterest-bearing deposits | 46,307,000 | 45,462,000 | 46,180,000 | 48,215,000 |
| Equity capital | 24,104,000 | 24,309,000 | 22,519,000 | 23,225,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,320,000 | 4,586,000 | 6,951,000 | 9,363,000 |
| Interest expense | 213,000 | 430,000 | 674,000 | 975,000 |
| Net interest income | 2,107,000 | 4,156,000 | 6,277,000 | 8,388,000 |
| Noninterest income | 319,000 | 625,000 | 947,000 | 1,329,000 |
| Noninterest expense | 1,815,000 | 3,654,000 | 5,491,000 | 7,287,000 |
| Provision for loan losses | 0 | 0 | -385,000 | -635,000 |
| Pretax income | 611,000 | 1,127,000 | 2,118,000 | 3,065,000 |
| Income tax | 106,000 | 196,000 | 366,000 | 582,000 |
| Net income | 505,000 | 931,000 | 1,752,000 | 2,483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,579,000 | 24,809,000 | 23,188,000 | 23,763,000 |
| Total capital | 26,662,000 | 26,857,000 | 25,342,000 | 25,897,000 |
| Risk-weighted assets | 164,969,000 | 162,761,000 | 171,726,000 | 170,224,000 |