$FUSB
FIRST US BANCSHARES, INC.

2013 Q4 Form 10-K Financial Statement

#000119312514110209 Filed on March 21, 2014

View on sec.gov

Income Statement

Concept 2013 Q4 2013 2012 Q4
Revenue $8.340M $33.64M $9.667M
YoY Change -13.73% -13.2%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $200.0K $717.0K $190.0K
YoY Change 5.26% 0.28% 5.56%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $677.0K $2.905M $888.0K
YoY Change -23.76% -36.24%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $1.258M $5.436M $1.471M
YoY Change -14.48% 84.9% -109.78%
Income Tax $303.0K $1.509M $588.0K
% Of Pretax Income 24.09% 27.76% 39.97%
Net Earnings $955.0K $3.927M $883.0K
YoY Change 8.15% 78.91% -109.3%
Net Earnings / Revenue 11.45% 11.67% 9.13%
Basic Earnings Per Share $0.16 $0.65
Diluted Earnings Per Share $0.16 $0.65 $146.2K
COMMON SHARES
Basic Shares Outstanding 6.028M shares 6.026M shares
Diluted Shares Outstanding

Balance Sheet

Concept 2013 Q4 2013 2012 Q4
SHORT-TERM ASSETS
Cash & Short-Term Investments $218.5M $167.9M
YoY Change 30.17%
Cash & Equivalents $47.72M $54.13M
Short-Term Investments $170.8M $113.8M
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $8.928M $8.900M $8.903M
YoY Change 0.28% 0.0% -1.08%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $569.8M $569.8M $567.1M
YoY Change 0.47% 0.48% -8.79%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $300.0K $300.0K $400.0K
YoY Change -25.0% -25.0% -50.0%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $1.200M $1.200M $600.0K
YoY Change 100.0% 100.0% 50.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $300.0K $300.0K $400.0K
YoY Change -25.0% -25.0% -50.0%
LONG-TERM LIABILITIES
Long-Term Debt $0.00 $0.00 $0.00
YoY Change
Other Long-Term Liabilities $8.900M $8.900M $8.400M
YoY Change 5.95% 5.95% 13.51%
Total Long-Term Liabilities $8.900M $8.900M $8.400M
YoY Change 5.95% 5.95% 13.51%
TOTAL LIABILITIES
Total Short-Term Liabilities $300.0K $300.0K $400.0K
Total Long-Term Liabilities $8.900M $8.900M $8.400M
Total Liabilities $499.7M $499.7M $498.5M
YoY Change 0.24% 0.24% -10.28%
SHAREHOLDERS EQUITY
Retained Earnings $81.21M $77.29M
YoY Change 5.08%
Common Stock $9.357M $9.357M
YoY Change 0.0%
Preferred Stock
YoY Change
Treasury Stock (at cost) $20.99M $21.12M
YoY Change -0.62%
Treasury Stock Shares 1.299M shares 1.304M shares
Shareholders Equity $70.10M $70.10M $68.70M
YoY Change
Total Liabilities & Shareholders Equity $569.8M $569.8M $567.1M
YoY Change 0.47% 0.48% -8.79%

Cashflow Statement

Concept 2013 Q4 2013 2012 Q4
OPERATING ACTIVITIES
Net Income $955.0K $3.927M $883.0K
YoY Change 8.15% 78.91% -109.3%
Depreciation, Depletion And Amortization $200.0K $717.0K $190.0K
YoY Change 5.26% 0.28% 5.56%
Cash From Operating Activities -$440.0K $10.92M $4.640M
YoY Change -109.48% -32.33% 9.43%
INVESTING ACTIVITIES
Capital Expenditures -$300.0K $381.0K -$150.0K
YoY Change 100.0% -33.39% 200.0%
Acquisitions
YoY Change
Other Investing Activities -$2.740M -$17.79M $6.090M
YoY Change -144.99% -140.88% -25.91%
Cash From Investing Activities -$3.030M -$18.17M $5.940M
YoY Change -151.01% -142.3% -27.29%
FINANCING ACTIVITIES
Cash Dividend Paid $0.00
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 7.720M 838.0K -18.29M
YoY Change -142.21% -101.45% 253.77%
NET CHANGE
Cash From Operating Activities -440.0K 10.92M 4.640M
Cash From Investing Activities -3.030M -18.17M 5.940M
Cash From Financing Activities 7.720M 838.0K -18.29M
Net Change In Cash 4.250M -6.406M -7.710M
YoY Change -155.12% -581.65% -206.49%
FREE CASH FLOW
Cash From Operating Activities -$440.0K $10.92M $4.640M
Capital Expenditures -$300.0K $381.0K -$150.0K
Free Cash Flow -$140.0K $10.54M $4.790M
YoY Change -102.92% -32.29% 11.66%

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CY2013 dei Entity Registrant Name
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UNITED SECURITY BANCSHARES INC
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CY2013 dei Entity Filer Category
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Smaller Reporting Company
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10-K
CY2013 dei Document Period End Date
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2013-12-31
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CY2013 us-gaap Nature Of Operations
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<div> <table style="BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="100%" border="0"> <tr> <td valign="top" width="4%" align="left"><font style="FONT-FAMILY: Times New Roman" size="2"><b>1.</b></font></td> <td valign="top" align="left"><font style="FONT-FAMILY: Times New Roman" size="2"><b>DESCRIPTION OF BUSINESS</b></font></td> </tr> </table> <p style="MARGIN-BOTTOM: 0px; MARGIN-LEFT: 4%; MARGIN-TOP: 6px"> <font style="FONT-FAMILY: Times New Roman" size="2">United Security Bancshares, Inc. (&#x201C;USBI&#x201D;) and its wholly-owned subsidiary, First United Security Bank (the &#x201C;Bank&#x201D; or &#x201C;FUSB&#x201D;), provide commercial banking services to customers through nineteen banking offices located in Brent, Bucksville, Butler, Calera, Centreville, Coffeeville, Columbiana, Fulton, Gilbertown, Grove Hill, Harpersville, Jackson, Thomasville, Tuscaloosa and Woodstock, Alabama.</font></p> <p style="MARGIN-BOTTOM: 0px; MARGIN-LEFT: 4%; MARGIN-TOP: 6px"> <font style="FONT-FAMILY: Times New Roman" size="2">The Bank owns all of the stock of Acceptance Loan Company, Inc. (&#x201C;ALC&#x201D;), an Alabama corporation. ALC is a finance company organized for the purpose of making consumer loans and purchasing consumer loans from vendors. ALC has offices located within the communities served by the Bank, as well as offices outside the Bank&#x2019;s market area in Alabama and southeast Mississippi. The Bank also owns all of the stock of FUSB Reinsurance, Inc. (&#x201C;FUSB Reinsurance&#x201D;), an Arizona corporation. FUSB Reinsurance is an insurance company that was created to underwrite credit life and accidental death insurance related to loans written by the Bank and ALC.</font></p> </div>
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<div> <p style="MARGIN-BOTTOM: 0px; MARGIN-TOP: 18px; TEXT-INDENT: 4%"> <font style="FONT-FAMILY: Times New Roman" size="2"><b>Reclassification</b></font></p> <p style="MARGIN-BOTTOM: 0px; MARGIN-LEFT: 4%; MARGIN-TOP: 6px"> <font style="FONT-FAMILY: Times New Roman" size="2">Certain amounts in the 2012 consolidated financial statements have been reclassified to conform to the 2013 method of presentation.</font></p> </div>
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CY2013 us-gaap Use Of Estimates
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<div> <p style="MARGIN-BOTTOM: 0px; MARGIN-LEFT: 4%; MARGIN-TOP: 18px"> <font style="FONT-FAMILY: Times New Roman" size="2"><b>Use of Estimates</b></font></p> <p style="MARGIN-BOTTOM: 0px; MARGIN-LEFT: 4%; MARGIN-TOP: 6px"> <font style="FONT-FAMILY: Times New Roman" size="2">The accounting principles and reporting policies of the Company, and the methods of applying these principles, conform with U.S. GAAP and with general practices within the financial services industry. In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the consolidated statements of condition and revenues and expenses for the period included in the consolidated statements of operations and of cash flows. Actual results could differ from those estimates.</font></p> <p style="MARGIN-BOTTOM: 0px; MARGIN-LEFT: 4%; MARGIN-TOP: 6px"> <font style="FONT-FAMILY: Times New Roman" size="2">Material estimates that are particularly susceptible to significant changes in the near-term relate to the accounting for the allowance for loan losses, the value of OREO and certain collateral dependent loans, and deferred tax asset valuation. In connection with the determination of the allowance for loan losses and other real estate owned, in some&#xA0;cases, management obtains independent appraisals for significant properties, evaluates the overall portfolio characteristics and delinquencies and monitors economic conditions.</font></p> <p style="MARGIN-BOTTOM: 0px; MARGIN-LEFT: 4%; MARGIN-TOP: 6px"> <font style="FONT-FAMILY: Times New Roman" size="2">A substantial portion of the Company&#x2019;s loans are secured by real estate in its primary market area. Accordingly, the ultimate collectability of a substantial portion of the Company&#x2019;s loan portfolio and the recovery of a portion of the carrying amount of foreclosed real estate are susceptible to changes in economic conditions in the Company&#x2019;s primary market.</font></p> </div>
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