Call reports 2020
UNITED SOUTHERN BANK — 2020
What UNITED SOUTHERN BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 226,064,000 | 241,039,000 | 241,337,000 | 254,367,000 |
| Total loans | 159,420,000 | 156,833,000 | 153,362,000 | 156,087,000 |
| Allowance for loan losses | 2,245,000 | 2,280,000 | 2,240,000 | 2,215,000 |
| Securities available for sale | 33,234,000 | 39,526,000 | 37,372,000 | 42,688,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,729,000 | 205,449,000 | 206,473,000 | 219,675,000 |
| Interest-bearing deposits | 138,561,000 | 144,204,000 | 146,898,000 | 152,363,000 |
| Noninterest-bearing deposits | 53,168,000 | 61,245,000 | 59,575,000 | 67,312,000 |
| Equity capital | 27,589,000 | 28,574,000 | 29,083,000 | 29,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,482,000 | 4,805,000 | 7,047,000 | 9,241,000 |
| Interest expense | 333,000 | 628,000 | 878,000 | 1,091,000 |
| Net interest income | 2,149,000 | 4,177,000 | 6,169,000 | 8,150,000 |
| Noninterest income | 348,000 | 790,000 | 1,124,000 | 1,480,000 |
| Noninterest expense | 1,795,000 | 3,490,000 | 5,236,000 | 6,918,000 |
| Provision for loan losses | 15,000 | 45,000 | 75,000 | 45,000 |
| Pretax income | 687,000 | 1,384,000 | 1,983,000 | 2,667,000 |
| Income tax | 118,000 | 241,000 | 343,000 | 522,000 |
| Net income | 569,000 | 1,143,000 | 1,640,000 | 2,145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,305,000 | 27,751,000 | 28,247,000 | 28,340,000 |