Call reports 2025
UNITED SOUTHERN BANK — 2025
What UNITED SOUTHERN BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 351,750,000 | 349,927,000 | 353,591,000 | 352,220,000 |
| Total loans | 258,975,000 | 255,966,000 | 269,295,000 | 276,001,000 |
| Allowance for loan losses | 2,708,000 | 2,837,000 | 2,920,000 | 3,022,000 |
| Securities available for sale | 52,804,000 | 48,694,000 | 47,487,000 | 46,649,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,010,000 | 301,977,000 | 303,999,000 | 302,483,000 |
| Interest-bearing deposits | 223,811,000 | 218,423,000 | 218,976,000 | 218,792,000 |
| Noninterest-bearing deposits | 81,199,000 | 83,554,000 | 85,023,000 | 83,691,000 |
| Equity capital | 36,511,000 | 37,865,000 | 39,603,000 | 40,260,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,519,000 | 9,304,000 | 14,244,000 | 19,303,000 |
| Interest expense | 1,489,000 | 3,029,000 | 4,508,000 | 5,940,000 |
| Net interest income | 3,030,000 | 6,275,000 | 9,736,000 | 13,363,000 |
| Noninterest income | 459,000 | 926,000 | 1,469,000 | 1,961,000 |
| Noninterest expense | 2,334,000 | 4,638,000 | 7,000,000 | 9,284,000 |
| Provision for loan losses | 75,000 | 195,000 | 315,000 | 505,000 |
| Pretax income | 1,074,000 | 2,362,000 | 3,884,000 | 5,529,000 |
| Income tax | 245,000 | 542,000 | 897,000 | 1,283,000 |
| Net income | 829,000 | 1,820,000 | 2,987,000 | 4,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,863,000 | 40,853,000 | 42,020,000 | 42,516,000 |