Call reports 2021
UNITED SOUTHERN BANK — 2021
What UNITED SOUTHERN BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 267,238,000 | 274,352,000 | 275,135,000 | 280,977,000 |
| Total loans | 152,430,000 | 158,842,000 | 160,274,000 | 167,759,000 |
| Allowance for loan losses | 2,255,000 | 2,280,000 | 2,281,000 | 2,279,000 |
| Securities available for sale | 44,736,000 | 49,192,000 | 50,181,000 | 53,727,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,518,000 | 238,888,000 | 240,148,000 | 246,544,000 |
| Interest-bearing deposits | 160,050,000 | 163,893,000 | 165,159,000 | 164,710,000 |
| Noninterest-bearing deposits | 72,468,000 | 74,995,000 | 74,989,000 | 81,834,000 |
| Equity capital | 29,435,000 | 30,316,000 | 30,828,000 | 30,665,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,174,000 | 4,990,000 | 7,178,000 | 9,393,000 |
| Interest expense | 175,000 | 326,000 | 465,000 | 588,000 |
| Net interest income | 1,999,000 | 4,664,000 | 6,713,000 | 8,805,000 |
| Noninterest income | 577,000 | 750,000 | 1,141,000 | 1,563,000 |
| Noninterest expense | 1,695,000 | 3,452,000 | 5,185,000 | 6,965,000 |
| Provision for loan losses | 15,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 863,000 | 1,929,000 | 2,636,000 | 3,370,000 |
| Income tax | 209,000 | 457,000 | 637,000 | 718,000 |
| Net income | 654,000 | 1,472,000 | 1,999,000 | 2,652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,007,000 | 29,825,000 | 30,352,000 | 30,498,000 |
| Total capital | — | — | 32,498,000 | — |
| Risk-weighted assets | — | — | 171,596,000 | — |