Call reports 2019
UNITED SOUTHERN BANK — 2019
What UNITED SOUTHERN BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 219,930,000 | 219,112,000 | 218,390,000 | 219,336,000 |
| Total loans | 159,118,000 | 161,530,000 | 163,032,000 | 161,687,000 |
| Allowance for loan losses | 2,892,000 | 3,237,000 | 3,233,000 | 2,229,000 |
| Securities available for sale | 37,433,000 | 36,972,000 | 35,428,000 | 34,225,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,235,000 | 186,273,000 | 178,886,000 | 184,681,000 |
| Interest-bearing deposits | 138,711,000 | 136,341,000 | 132,294,000 | 136,288,000 |
| Noninterest-bearing deposits | 47,524,000 | 49,932,000 | 46,592,000 | 48,393,000 |
| Equity capital | 24,561,000 | 25,597,000 | 26,610,000 | 27,710,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,547,000 | 5,008,000 | 7,583,000 | 10,033,000 |
| Interest expense | 308,000 | 648,000 | 999,000 | 1,358,000 |
| Net interest income | 2,239,000 | 4,360,000 | 6,584,000 | 8,675,000 |
| Noninterest income | 306,000 | 645,000 | 1,136,000 | 1,485,000 |
| Noninterest expense | 1,764,000 | 3,537,000 | 5,628,000 | 7,427,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | -985,000 |
| Pretax income | 766,000 | 1,453,000 | 2,077,000 | 3,718,000 |
| Income tax | 133,000 | 253,000 | 17,000 | 65,000 |
| Net income | 633,000 | 1,200,000 | 2,060,000 | 3,653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,585,000 | 25,535,000 | 26,395,000 | 27,583,000 |
| Total capital | 26,695,000 | 27,673,000 | 28,586,000 | 29,733,000 |
| Risk-weighted assets | 168,041,000 | 169,962,000 | 174,262,000 | 171,929,000 |