2015 Q4 Form 10-K Financial Statement
#000156459016014527 Filed on March 11, 2016
Income Statement
Concept | 2015 Q4 | 2014 Q4 | 2014 Q3 |
---|---|---|---|
Revenue | $7.513M | $7.686M | $7.899M |
YoY Change | -2.25% | -7.84% | -4.49% |
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 | $230.0K | $200.0K | $240.0K |
YoY Change | 15.0% | 0.0% | 33.33% |
% of Gross Profit | |||
Operating Expenses | |||
YoY Change | |||
Operating Profit | |||
YoY Change | |||
Interest Expense | $549.0K | $636.0K | $642.0K |
YoY Change | -13.68% | -6.06% | -8.55% |
% of Operating Profit | |||
Other Income/Expense, Net | |||
YoY Change | |||
Pretax Income | $522.0K | $1.252M | $1.250M |
YoY Change | -58.31% | -0.48% | -0.32% |
Income Tax | $81.00K | $532.0K | $413.0K |
% Of Pretax Income | 15.52% | 42.49% | 33.04% |
Net Earnings | $441.0K | $720.0K | $837.0K |
YoY Change | -38.75% | -24.61% | -7.41% |
Net Earnings / Revenue | 5.87% | 9.37% | 10.6% |
Basic Earnings Per Share | $0.07 | $0.12 | $0.14 |
Diluted Earnings Per Share | $0.07 | $0.12 | $0.13 |
COMMON SHARES | |||
Basic Shares Outstanding | 6.034M shares | 6.129M | |
Diluted Shares Outstanding | 6.213M |
Balance Sheet
Concept | 2015 Q4 | 2014 Q4 | 2014 Q3 |
---|---|---|---|
SHORT-TERM ASSETS | |||
Cash & Short-Term Investments | $275.3M | $268.3M | $250.4M |
YoY Change | 2.62% | 22.76% | 24.99% |
Cash & Equivalents | $44.07M | $34.17M | $34.53M |
Short-Term Investments | $231.2M | $234.1M | $215.9M |
Other Short-Term Assets | |||
YoY Change | |||
Inventory | |||
Prepaid Expenses | |||
Receivables | |||
Other Receivables | |||
Total Short-Term Assets | |||
YoY Change | |||
LONG-TERM ASSETS | |||
Property, Plant & Equipment | $12.08M | $9.764M | $9.216M |
YoY Change | 23.76% | 9.36% | 5.25% |
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 | $575.8M | $572.6M | $562.7M |
YoY Change | 0.55% | 0.49% | 0.49% |
SHORT-TERM LIABILITIES | |||
YoY Change | |||
Accounts Payable | $200.0K | $200.0K | $200.0K |
YoY Change | 0.0% | -33.33% | -33.33% |
Accrued Expenses | |||
YoY Change | |||
Deferred Revenue | |||
YoY Change | |||
Short-Term Debt | $7.354M | $436.0K | $800.0K |
YoY Change | 1586.7% | -63.67% | -55.56% |
Long-Term Debt Due | |||
YoY Change | |||
Total Short-Term Liabilities | $200.0K | $200.0K | $200.0K |
YoY Change | 0.0% | -33.33% | -33.33% |
LONG-TERM LIABILITIES | |||
Long-Term Debt | $0.00 | $0.00 | $0.00 |
YoY Change | |||
Other Long-Term Liabilities | $7.000M | $8.100M | $8.300M |
YoY Change | -13.58% | -8.99% | 10.67% |
Total Long-Term Liabilities | $7.000M | $8.100M | $8.300M |
YoY Change | -13.58% | -8.99% | 10.67% |
TOTAL LIABILITIES | |||
Total Short-Term Liabilities | $200.0K | $200.0K | $200.0K |
Total Long-Term Liabilities | $7.000M | $8.100M | $8.300M |
Total Liabilities | $498.8M | $497.4M | $488.9M |
YoY Change | 0.26% | -0.45% | -0.36% |
SHAREHOLDERS EQUITY | |||
Retained Earnings | $86.69M | $84.58M | $83.98M |
YoY Change | 2.5% | 4.15% | 4.64% |
Common Stock | $10.63M | $9.650M | $9.640M |
YoY Change | 10.17% | 3.13% | 3.02% |
Preferred Stock | |||
YoY Change | |||
Treasury Stock (at cost) | $20.82M | $20.89M | $20.89M |
YoY Change | -0.33% | -0.5% | -0.5% |
Treasury Stock Shares | $1.291M | $1.295M | 1.295M shares |
Shareholders Equity | $77.00M | $75.20M | $73.90M |
YoY Change | |||
Total Liabilities & Shareholders Equity | $575.8M | $572.6M | $562.7M |
YoY Change | 0.55% | 0.49% | 0.49% |
Cashflow Statement
Concept | 2015 Q4 | 2014 Q4 | 2014 Q3 |
---|---|---|---|
OPERATING ACTIVITIES | |||
Net Income | $441.0K | $720.0K | $837.0K |
YoY Change | -38.75% | -24.61% | -7.41% |
Depreciation, Depletion And Amortization | $230.0K | $200.0K | $240.0K |
YoY Change | 15.0% | 0.0% | 33.33% |
Cash From Operating Activities | $1.330M | $1.250M | $1.050M |
YoY Change | 6.4% | -384.09% | -70.17% |
INVESTING ACTIVITIES | |||
Capital Expenditures | -$550.0K | -$700.0K | $127.0K |
YoY Change | -21.43% | 133.33% | 6250.0% |
Acquisitions | |||
YoY Change | |||
Other Investing Activities | -$11.37M | -$9.620M | $830.0K |
YoY Change | 18.19% | 251.09% | -106.25% |
Cash From Investing Activities | -$11.93M | -$10.32M | $700.0K |
YoY Change | 15.6% | 240.59% | -105.27% |
FINANCING ACTIVITIES | |||
Cash Dividend Paid | |||
YoY Change | |||
Common Stock Issuance & Retirement, Net | |||
YoY Change | |||
Debt Paid & Issued, Net | |||
YoY Change | |||
Cash From Financing Activities | 27.05M | 8.700M | -8.670M |
YoY Change | 210.92% | 12.69% | -304.0% |
NET CHANGE | |||
Cash From Operating Activities | 1.330M | 1.250M | 1.050M |
Cash From Investing Activities | -11.93M | -10.32M | 700.0K |
Cash From Financing Activities | 27.05M | 8.700M | -8.670M |
Net Change In Cash | 16.45M | -370.0K | -6.920M |
YoY Change | -4545.95% | -108.71% | 25.36% |
FREE CASH FLOW | |||
Cash From Operating Activities | $1.330M | $1.250M | $1.050M |
Capital Expenditures | -$550.0K | -$700.0K | $127.0K |
Free Cash Flow | $1.880M | $1.950M | $923.0K |
YoY Change | -3.59% | -1492.86% | -73.76% |
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CY2014 | us-gaap |
Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Net Of Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax
|
58000 | |
CY2015 | us-gaap |
Comprehensive Income Net Of Tax Including Portion Attributable To Noncontrolling Interest
ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest
|
1302000 | |
CY2014 | us-gaap |
Comprehensive Income Net Of Tax Including Portion Attributable To Noncontrolling Interest
ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest
|
4849000 | |
CY2015 | us-gaap |
Depreciation And Amortization
DepreciationAndAmortization
|
871000 | |
CY2014 | us-gaap |
Depreciation And Amortization
DepreciationAndAmortization
|
803000 | |
CY2015 | us-gaap |
Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
|
926000 | |
CY2014 | us-gaap |
Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
|
1812000 | |
CY2015 | us-gaap |
Available For Sale Securities Gross Realized Gain Loss Net
AvailableForSaleSecuritiesGrossRealizedGainLossNet
|
462000 | |
CY2014 | us-gaap |
Available For Sale Securities Gross Realized Gain Loss Net
AvailableForSaleSecuritiesGrossRealizedGainLossNet
|
104000 | |
CY2015 | us-gaap |
Share Based Compensation
ShareBasedCompensation
|
416000 | |
CY2014 | us-gaap |
Share Based Compensation
ShareBasedCompensation
|
443000 | |
CY2014Q4 | us-gaap |
Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
|
8633000 | |
CY2014 | us-gaap |
Net Cash Provided By Used In Financing Activities Continuing Operations
NetCashProvidedByUsedInFinancingActivitiesContinuingOperations
|
-1596000 | |
CY2014 | us-gaap |
Cash And Cash Equivalents Period Increase Decrease
CashAndCashEquivalentsPeriodIncreaseDecrease
|
-13554000 | |
CY2015 | us-gaap |
Payments For Federal Home Loan Bank Advances
PaymentsForFederalHomeLoanBankAdvances
|
5000000 | |
CY2015 | us-gaap |
Payments Of Dividends
PaymentsOfDividends
|
484000 | |
CY2014 | us-gaap |
Payments Of Dividends
PaymentsOfDividends
|
181000 | |
CY2015 | us-gaap |
Net Cash Provided By Used In Financing Activities Continuing Operations
NetCashProvidedByUsedInFinancingActivitiesContinuingOperations
|
2033000 | |
CY2015 | us-gaap |
Cash And Cash Equivalents Period Increase Decrease
CashAndCashEquivalentsPeriodIncreaseDecrease
|
9906000 | |
CY2013Q4 | us-gaap |
Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
|
47720000 | |
CY2014 | us-gaap |
Gain Loss On Sale Of Business
GainLossOnSaleOfBusiness
|
221000 | |
CY2015 | us-gaap |
Amortization Of Debt Discount Premium
AmortizationOfDebtDiscountPremium
|
1681000 | |
CY2015 | usbi |
Gains Losses On Sales Of Premises Equipment And Other Real Estate Held For Sale
GainsLossesOnSalesOfPremisesEquipmentAndOtherRealEstateHeldForSale
|
-970000 | |
CY2015 | us-gaap |
Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
|
-402000 | |
CY2015 | us-gaap |
Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
|
-431000 | |
CY2015 | us-gaap |
Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
|
-41000 | |
CY2015 | us-gaap |
Increase Decrease In Other Operating Liabilities
IncreaseDecreaseInOtherOperatingLiabilities
|
-605000 | |
CY2015 | us-gaap |
Net Cash Provided By Used In Operating Activities Continuing Operations
NetCashProvidedByUsedInOperatingActivitiesContinuingOperations
|
7400000 | |
CY2015 | us-gaap |
Payments To Acquire Available For Sale Securities
PaymentsToAcquireAvailableForSaleSecurities
|
64066000 | |
CY2015 | us-gaap |
Payments To Acquire Held To Maturity Securities
PaymentsToAcquireHeldToMaturitySecurities
|
27769000 | |
CY2015 | us-gaap |
Proceeds From Sale Of Available For Sale Securities
ProceedsFromSaleOfAvailableForSaleSecurities
|
15754000 | |
CY2015 | us-gaap |
Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
|
51326000 | |
CY2015 | us-gaap |
Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities
|
24342000 | |
CY2015 | us-gaap |
Payments For Proceeds From Federal Home Loan Bank Stock
PaymentsForProceedsFromFederalHomeLoanBankStock
|
288000 | |
CY2014 | us-gaap |
Payments For Proceeds From Federal Home Loan Bank Stock
PaymentsForProceedsFromFederalHomeLoanBankStock
|
-168000 | |
CY2014 | us-gaap |
Proceeds From Divestiture Of Businesses And Interests In Affiliates
ProceedsFromDivestitureOfBusinessesAndInterestsInAffiliates
|
1000000 | |
CY2015 | us-gaap |
Proceeds From Federal Home Loan Bank Advances
ProceedsFromFederalHomeLoanBankAdvances
|
12000000 | |
CY2015 | us-gaap |
Nature Of Operations
NatureOfOperations
|
<div> <div align="left"> <table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;"> <tr> <td valign="top" style="width:4.54%;white-space:nowrap"> <p style="margin-bottom:0pt;margin-top:0pt;;font-size:10pt;font-weight:bold;">1.</p></td> <td valign="top"> <p style="margin-bottom:0pt;margin-top:0pt;;font-weight:bold;font-family:Times New Roman;font-size:10pt;font-style:normal;text-transform:none;font-variant: normal;">DESCRIPTION OF BUSINESS </p></td></tr></table></div> <p style="margin-top:6pt;margin-bottom:0pt;margin-left:4.54%;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">United Security Bancshares, Inc. (“USBI”) and its wholly-owned subsidiary, First US Bank (the “Bank” or “FUSB”), provide commercial banking services to customers through twenty banking offices located in Brent, Bucksville, Butler, Calera, Centreville, Coffeeville, Columbiana, Fulton, Gilbertown, Grove Hill, Harpersville, Jackson, Thomasville, Tuscaloosa and Woodstock, Alabama. The Bank was formerly known as First United Security Bank and changed its name to First US Bank on December 15, 2014.</p> <p style="margin-top:6pt;margin-bottom:0pt;margin-left:4.54%;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Bank owns all of the stock of Acceptance Loan Company, Inc. (“ALC”), 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 of the Bank’s market area in Alabama and southeast Mississippi. The Bank also owns all of the stock of FUSB Reinsurance, Inc. (“FUSB Reinsurance”), an Arizona corporation. FUSB Reinsurance is an insurance company that underwrites credit life and accidental death insurance related to loans written by the Bank and ALC.</p></div> | |
CY2015 | us-gaap |
Use Of Estimates
UseOfEstimates
|
<div> <p style="margin-top:18pt;margin-bottom:0pt;margin-left:4.54%;text-indent:0%;font-weight:bold;font-family:Times New Roman;font-size:10pt;font-style:normal;text-transform:none;font-variant: normal;">Use of Estimates</p> <p style="margin-top:6pt;margin-bottom:0pt;margin-left:4.54%;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The accounting principles and reporting policies of the Company, and the methods of applying these principles, conform with accounting principles generally accepted in the United States of America (“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 balance sheets 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.</p> <p style="margin-top:6pt;margin-bottom:0pt;margin-left:4.54%;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">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 other real estate owned (“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 cases, management obtains independent appraisals for significant properties, evaluates the overall portfolio characteristics and delinquencies and monitors economic conditions.</p> <p style="margin-top:6pt;margin-bottom:0pt;margin-left:4.54%;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">A substantial portion of the Company’s loans are secured by real estate in its primary market areas. Accordingly, the ultimate collectability of a substantial portion of the Company’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’s primary market areas.</p></div> | |
CY2015 | us-gaap |
Prior Period Reclassification Adjustment Description
PriorPeriodReclassificationAdjustmentDescription
|
<div> <p style="margin-top:18pt;margin-bottom:0pt;margin-left:4.54%;text-indent:0%;font-weight:bold;font-family:Times New Roman;font-size:10pt;font-style:normal;text-transform:none;font-variant: normal;">Reclassification</p> <p style="margin-top:6pt;margin-bottom:0pt;margin-left:4.54%;text-indent:0%;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Certain amounts in the 2014 consolidated financial statements have been reclassified to conform to the 2015 presentation.</p></div> | |
CY2015 | usbi |
Number Of Operating Banking Offices
NumberOfOperatingBankingOffices
|
20 | |
CY2015 | usbi |
Number Of Variable Interest Entity
NumberOfVariableInterestEntity
|
1 | |
CY2015 | usbi |
Maximum Maturity Period For Cash Equivalents
MaximumMaturityPeriodForCashEquivalents
|
Less than 90 days | |
CY2015 | us-gaap |
Interest Paid Net
InterestPaidNet
|
2330000 | |
CY2014 | us-gaap |
Interest Paid Net
InterestPaidNet
|
2598000 | |
CY2015 | us-gaap |
Income Taxes Paid Net
IncomeTaxesPaidNet
|
63000 | |
CY2014 | us-gaap |
Income Taxes Paid Net
IncomeTaxesPaidNet
|
52000 | |
CY2015 | us-gaap |
Mortgage Loans On Real Estate Foreclosures
MortgageLoansOnRealEstateForeclosures
|
3177000 | |
CY2014 | us-gaap |
Mortgage Loans On Real Estate Foreclosures
MortgageLoansOnRealEstateForeclosures
|
5518000 | |
CY2015 | usbi |
Number Of Investment Portfolios
NumberOfInvestmentPortfolios
|
3 | |
CY2015 | usbi |
Number Of Securities Held As Trading Securities
NumberOfSecuritiesHeldAsTradingSecurities
|
0 | |
CY2014 | usbi |
Number Of Securities Held As Trading Securities
NumberOfSecuritiesHeldAsTradingSecurities
|
0 | |
CY2015 | usbi |
Minimum Tax Benefit Likely Of Being Realized Upon Ultimate Settlement With Tax Authority Percentage
MinimumTaxBenefitLikelyOfBeingRealizedUponUltimateSettlementWithTaxAuthorityPercentage
|
0.50 | |
CY2015 | usbi |
Tax Benefit
TaxBenefit
|
0 | |
CY2015 | us-gaap |
Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
|
6137704 | |
CY2014 | us-gaap |
Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
|
6127232 | |
CY2015 | us-gaap |
Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
|
175550 | |
CY2014 | us-gaap |
Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
|
83400 | |
CY2015 | us-gaap |
Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
|
6313254 | |
CY2014 | us-gaap |
Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
|
6210632 | |
CY2015Q4 | us-gaap |
Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
|
197995000 | |
CY2015Q4 | us-gaap |
Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
|
2093000 | |
CY2015Q4 | us-gaap |
Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
|
1245000 | |
CY2015Q4 | us-gaap |
Held To Maturity Securities Accumulated Unrecognized Holding Gain
HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain
|
70000 | |
CY2015Q4 | us-gaap |
Held To Maturity Securities Accumulated Unrecognized Holding Loss
HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss
|
245000 | |
CY2015Q4 | us-gaap |
Held To Maturity Securities Fair Value
HeldToMaturitySecuritiesFairValue
|
32184000 | |
CY2014Q4 | us-gaap |
Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
|
202039000 | |
CY2014Q4 | us-gaap |
Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
|
3306000 | |
CY2014Q4 | us-gaap |
Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
|
379000 | |
CY2014Q4 | us-gaap |
Held To Maturity Securities Accumulated Unrecognized Holding Gain
HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain
|
88000 | |
CY2014Q4 | us-gaap |
Held To Maturity Securities Accumulated Unrecognized Holding Loss
HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss
|
54000 | |
CY2014Q4 | us-gaap |
Held To Maturity Securities Fair Value
HeldToMaturitySecuritiesFairValue
|
29154000 | |
CY2015Q4 | us-gaap |
Available For Sale Securities Debt Maturities Within One Year Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost
|
487000 | |
CY2015Q4 | us-gaap |
Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost
|
5765000 | |
CY2015Q4 | us-gaap |
Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost
|
118161000 | |
CY2015Q4 | us-gaap |
Available For Sale Securities Debt Maturities After Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost
|
73582000 | |
CY2015Q4 | us-gaap |
Available For Sale Securities Debt Maturities Within One Year Fair Value
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue
|
496000 | |
CY2015Q4 | us-gaap |
Available For Sale Securities Debt Maturities After One Through Five Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue
|
5962000 | |
CY2015Q4 | us-gaap |
Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue
|
118360000 | |
CY2015Q4 | us-gaap |
Available For Sale Securities Debt Maturities After Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue
|
74025000 | |
CY2015Q4 | us-gaap |
Held To Maturity Securities Debt Maturities Within One Year Net Carrying Amount
HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount
|
0 | |
CY2015Q4 | us-gaap |
Held To Maturity Securities Debt Maturities After One Through Five Years Net Carrying Amount
HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount
|
1608000 | |
CY2015Q4 | us-gaap |
Held To Maturity Securities Debt Maturities After Five Through Ten Years Net Carrying Amount
HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount
|
12824000 | |
CY2015Q4 | us-gaap |
Held To Maturity Securities Debt Maturities After Ten Years Net Carrying Amount
HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount
|
17927000 | |
CY2015Q4 | us-gaap |
Held To Maturity Securities Debt Maturities Within One Year Fair Value
HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue
|
0 | |
CY2015Q4 | us-gaap |
Held To Maturity Securities Debt Maturities After One Through Five Years Fair Value
HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue
|
1602000 | |
CY2015Q4 | us-gaap |
Held To Maturity Securities Debt Maturities After Five Through Ten Years Fair Value
HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue
|
12814000 | |
CY2015Q4 | us-gaap |
Held To Maturity Securities Debt Maturities After Ten Years Fair Value
HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue
|
17768000 | |
CY2015Q4 | us-gaap |
Available For Sale Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
|
111208000 | |
CY2015Q4 | us-gaap |
Available For Sale Securities Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
|
751000 | |
CY2015Q4 | us-gaap |
Available For Sale Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
|
17979000 | |
CY2015Q4 | us-gaap |
Available For Sale Securities Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
|
494000 | |
CY2015Q4 | us-gaap |
Held To Maturity Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
|
25878000 | |
CY2015Q4 | us-gaap |
Held To Maturity Securities Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
|
218000 | |
CY2015Q4 | us-gaap |
Held To Maturity Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
|
1560000 | |
CY2015Q4 | us-gaap |
Held To Maturity Securities Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
|
27000 | |
CY2014Q4 | us-gaap |
Available For Sale Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
|
45876000 | |
CY2014Q4 | us-gaap |
Available For Sale Securities Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
|
138000 | |
CY2014Q4 | us-gaap |
Available For Sale Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
|
12914000 | |
CY2014Q4 | us-gaap |
Available For Sale Securities Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
|
241000 | |
CY2014Q4 | us-gaap |
Held To Maturity Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
|
538000 | |
CY2014Q4 | us-gaap |
Held To Maturity Securities Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
|
2000 | |
CY2014Q4 | us-gaap |
Held To Maturity Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
|
11664000 | |
CY2014Q4 | us-gaap |
Held To Maturity Securities Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
|
52000 | |
CY2015Q4 | us-gaap |
Availableforsale Securities In Unrealized Loss Positions Qualitative Disclosure Number Of Positions Greater Than Or Equal To One Year
AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear
|
13 | |
CY2014Q4 | us-gaap |
Availableforsale Securities In Unrealized Loss Positions Qualitative Disclosure Number Of Positions Greater Than Or Equal To One Year
AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsGreaterThanOrEqualToOneYear
|
10 | |
CY2015Q4 | us-gaap |
Available For Sale Securities In Unrealized Loss Positions Qualitative Disclosure Number Of Positions Less Than One Year
AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear
|
102 | |
CY2014Q4 | us-gaap |
Available For Sale Securities In Unrealized Loss Positions Qualitative Disclosure Number Of Positions Less Than One Year
AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositionsLessThanOneYear
|
31 | |
CY2015Q4 | us-gaap |
Available For Sale Securities Pledged As Collateral
AvailableForSaleSecuritiesPledgedAsCollateral
|
61300000 | |
CY2014Q4 | us-gaap |
Available For Sale Securities Pledged As Collateral
AvailableForSaleSecuritiesPledgedAsCollateral
|
61100000 | |
CY2015 | us-gaap |
Available For Sale Securities Gross Realized Losses
AvailableForSaleSecuritiesGrossRealizedLosses
|
0 | |
CY2014 | usbi |
Other Real Estate Gross Gains
OtherRealEstateGrossGains
|
391000 | |
CY2014 | usbi |
Other Real Estate Gross Losses
OtherRealEstateGrossLosses
|
671000 | |
CY2014 | usbi |
Other Real Estate Net Income Loss
OtherRealEstateNetIncomeLoss
|
-280000 | |
CY2014 | us-gaap |
Impairment Of Real Estate
ImpairmentOfRealEstate
|
322000 | |
CY2015Q4 | us-gaap |
Mortgage Loans On Real Estate Commercial And Consumer Net
MortgageLoansOnRealEstateCommercialAndConsumerNet
|
200000 | |
CY2014Q4 | us-gaap |
Mortgage Loans On Real Estate Commercial And Consumer Net
MortgageLoansOnRealEstateCommercialAndConsumerNet
|
200000 | |
CY2015Q4 | us-gaap |
Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
|
30198000 | |
CY2014 | us-gaap |
Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
|
540000 | |
CY2014 | us-gaap |
Available For Sale Securities Gross Realized Losses
AvailableForSaleSecuritiesGrossRealizedLosses
|
0 | |
CY2015 | usbi |
Number Of Portfolio Segments
NumberOfPortfolioSegments
|
8 | |
CY2015Q4 | us-gaap |
Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
|
268577000 | |
CY2015Q4 | us-gaap |
Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
|
9364000 | |
CY2014Q4 | us-gaap |
Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
|
274317000 | |
CY2015Q4 | us-gaap |
Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
|
3102000 | |
CY2014Q4 | us-gaap |
Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
|
4826000 | |
CY2015Q4 | us-gaap |
Impaired Financing Receivable With No Related Allowance Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
|
54000 | |
CY2015Q4 | us-gaap |
Impaired Financing Receivable With No Related Allowance Unpaid Principal Balance
ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance
|
54000 | |
CY2015Q4 | us-gaap |
Impaired Financing Receivable With Related Allowance Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
|
2660000 | |
CY2015Q4 | us-gaap |
Impaired Financing Receivable With Related Allowance Unpaid Principal Balance
ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance
|
2660000 | |
CY2015Q4 | us-gaap |
Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
|
310000 | |
CY2015Q4 | us-gaap |
Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
|
2714000 | |
CY2015Q4 | us-gaap |
Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
|
2714000 | |
CY2014Q4 | us-gaap |
Impaired Financing Receivable With No Related Allowance Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
|
8387000 | |
CY2014Q4 | us-gaap |
Impaired Financing Receivable With No Related Allowance Unpaid Principal Balance
ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance
|
8778000 | |
CY2014Q4 | us-gaap |
Impaired Financing Receivable With Related Allowance Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
|
2218000 | |
CY2014Q4 | us-gaap |
Impaired Financing Receivable With Related Allowance Unpaid Principal Balance
ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance
|
2218000 | |
CY2014Q4 | us-gaap |
Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
|
762000 | |
CY2014Q4 | us-gaap |
Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
|
10605000 | |
CY2014Q4 | us-gaap |
Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
|
10996000 | |
CY2015 | us-gaap |
Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
|
7117000 | |
CY2015 | us-gaap |
Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
|
119000 | |
CY2015 | us-gaap |
Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
|
122000 | |
CY2014 | us-gaap |
Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
|
14743000 | |
CY2014 | us-gaap |
Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
|
552000 | |
CY2015 | us-gaap |
Loans And Leases Receivable Impaired Interest Lost On Nonaccrual Loans
LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans
|
100000 | |
CY2014 | us-gaap |
Loans And Leases Receivable Impaired Interest Lost On Nonaccrual Loans
LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans
|
100000 | |
CY2015Q4 | usbi |
Interest Income Recorded
InterestIncomeRecorded
|
300000 | |
CY2014Q4 | usbi |
Interest Income Recorded
InterestIncomeRecorded
|
200000 | |
CY2015 | usbi |
Trouble Debt Restructuring Modified Period Term
TroubleDebtRestructuringModifiedPeriodTerm
|
P6M | |
CY2015 | usbi |
Minimum Modified Loan Term Period
MinimumModifiedLoanTermPeriod
|
P6M | |
CY2015Q4 | usbi |
Financing Receivable Restructuring Recorded Investment With Nonaccrual Status
FinancingReceivableRestructuringRecordedInvestmentWithNonaccrualStatus
|
500000 | |
CY2014Q4 | usbi |
Financing Receivable Restructuring Recorded Investment With Nonaccrual Status
FinancingReceivableRestructuringRecordedInvestmentWithNonaccrualStatus
|
2500000 | |
CY2015 | usbi |
Financing Receivable Restructuring Recorded Investment Restored To Accrual Status
FinancingReceivableRestructuringRecordedInvestmentRestoredToAccrualStatus
|
0 | |
CY2014 | usbi |
Financing Receivable Restructuring Recorded Investment Restored To Accrual Status
FinancingReceivableRestructuringRecordedInvestmentRestoredToAccrualStatus
|
0 | |
CY2015 | us-gaap |
Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
|
11 | |
CY2015 | us-gaap |
Financing Receivable Modifications Pre Modification Recorded Investment2
FinancingReceivableModificationsPreModificationRecordedInvestment2
|
2649000 | |
CY2015 | us-gaap |
Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
|
1947000 | |
CY2014 | us-gaap |
Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
|
18 | |
CY2014 | us-gaap |
Financing Receivable Modifications Pre Modification Recorded Investment2
FinancingReceivableModificationsPreModificationRecordedInvestment2
|
5089000 | |
CY2014 | us-gaap |
Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
|
3929000 | |
CY2014 | us-gaap |
Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
|
2 | |
CY2014 | us-gaap |
Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
|
886000 | |
CY2015Q4 | us-gaap |
Allowance For Credit Losses Change In Method Of Calculating Impairment
AllowanceForCreditLossesChangeInMethodOfCalculatingImpairment
|
1000 | |
CY2014Q4 | us-gaap |
Allowance For Credit Losses Change In Method Of Calculating Impairment
AllowanceForCreditLossesChangeInMethodOfCalculatingImpairment
|
900000 | |
CY2015 | us-gaap |
Transfer To Other Real Estate
TransferToOtherRealEstate
|
2373000 | |
CY2015 | us-gaap |
Proceeds From Sale Of Other Real Estate
ProceedsFromSaleOfOtherRealEstate
|
3538000 | |
CY2015 | usbi |
Other Real Estate Gross Gains
OtherRealEstateGrossGains
|
4000 | |
CY2015 | usbi |
Other Real Estate Gross Losses
OtherRealEstateGrossLosses
|
344000 | |
CY2015 | usbi |
Other Real Estate Net Income Loss
OtherRealEstateNetIncomeLoss
|
-340000 | |
CY2015 | us-gaap |
Impairment Of Real Estate
ImpairmentOfRealEstate
|
192000 | |
CY2013Q4 | us-gaap |
Real Estate Acquired Through Foreclosure
RealEstateAcquiredThroughForeclosure
|
9310000 | |
CY2014 | us-gaap |
Transfer To Other Real Estate
TransferToOtherRealEstate
|
4897000 | |
CY2014 | us-gaap |
Proceeds From Sale Of Other Real Estate
ProceedsFromSaleOfOtherRealEstate
|
5870000 | |
CY2014Q4 | us-gaap |
Federal Home Loan Bank Advances Activity For Year Average Interest Rate At Period End
FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd
|
0.0057 | |
CY2014Q4 | us-gaap |
Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
|
27386000 | |
CY2015Q4 | usbi |
Property Plant And Equipment Excluding Construction In Progress Net
PropertyPlantAndEquipmentExcludingConstructionInProgressNet
|
10865000 | |
CY2014Q4 | us-gaap |
Federal Home Loan Bank Advances Maturities Summary Due Within One Year Of Balance Sheet Date
FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate
|
0 | |
CY2015 | usbi |
Maturity Period Of Federal Funds
MaturityPeriodOfFederalFunds
|
P30D | |
CY2015 | us-gaap |
Federal Home Loan Bank Advances Activity For Year Average Balance Of Agreements Outstanding
FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding
|
4178000 | |
CY2014 | us-gaap |
Federal Home Loan Bank Advances Activity For Year Average Balance Of Agreements Outstanding
FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding
|
5000000 | |
CY2015Q4 | us-gaap |
Federal Home Loan Bank Advances Activity For Year Maximum Outstanding At Any Month End
FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd
|
5000000 | |
CY2014Q4 | us-gaap |
Federal Home Loan Bank Advances Activity For Year Maximum Outstanding At Any Month End
FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd
|
5000000 | |
CY2015Q4 | us-gaap |
Federal Home Loan Bank Advances Activity For Year Average Interest Rate At Period End
FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd
|
0.0059 | |
CY2015 | usbi |
Federal Home Loan Bank Advances Weighted Average Remaining Maturity
FederalHomeLoanBankAdvancesWeightedAverageRemainingMaturity
|
P1Y3M29D | |
CY2014 | usbi |
Federal Home Loan Bank Advances Weighted Average Remaining Maturity
FederalHomeLoanBankAdvancesWeightedAverageRemainingMaturity
|
P8M1D | |
CY2015Q4 | us-gaap |
Federal Home Loan Bank Advances General Debt Obligations Disclosures Collateral Pledged1
FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged1
|
14000000 | |
CY2014Q4 | usbi |
Property Plant And Equipment Excluding Construction In Progress Net
PropertyPlantAndEquipmentExcludingConstructionInProgressNet
|
8698000 | |
CY2015Q4 | usbi |
Construction In Progress Net
ConstructionInProgressNet
|
1219000 | |
CY2014Q4 | usbi |
Construction In Progress Net
ConstructionInProgressNet
|
1066000 | |
CY2015Q4 | us-gaap |
Time Deposit Maturities Year One
TimeDepositMaturitiesYearOne
|
122837000 | |
CY2015Q4 | us-gaap |
Time Deposit Maturities Year Two
TimeDepositMaturitiesYearTwo
|
29358000 | |
CY2015Q4 | us-gaap |
Time Deposit Maturities Year Three
TimeDepositMaturitiesYearThree
|
9959000 | |
CY2015Q4 | us-gaap |
Time Deposit Maturities Year Four
TimeDepositMaturitiesYearFour
|
6375000 | |
CY2015Q4 | usbi |
Time Deposit Maturities Year Five And Thereafter
TimeDepositMaturitiesYearFiveAndThereafter
|
12912000 | |
CY2015Q4 | us-gaap |
Time Deposits
TimeDeposits
|
181441000 | |
CY2015Q4 | us-gaap |
Time Deposits100000 Or More
TimeDeposits100000OrMore
|
25000000 | |
CY2014Q4 | us-gaap |
Time Deposits100000 Or More
TimeDeposits100000OrMore
|
22700000 | |
CY2015Q4 | usbi |
Brokered Certificates Of Deposit
BrokeredCertificatesOfDeposit
|
8800000 | |
CY2014Q4 | usbi |
Brokered Certificates Of Deposit
BrokeredCertificatesOfDeposit
|
7600000 | |
CY2015Q4 | us-gaap |
Related Party Deposit Liabilities
RelatedPartyDepositLiabilities
|
4600000 | |
CY2014Q4 | us-gaap |
Related Party Deposit Liabilities
RelatedPartyDepositLiabilities
|
3800000 | |
CY2015Q4 | us-gaap |
Federal Funds Purchased
FederalFundsPurchased
|
0 | |
CY2014Q4 | us-gaap |
Federal Funds Purchased
FederalFundsPurchased
|
0 | |
CY2015Q4 | usbi |
Available Fund Lines From Correspondent Banks
AvailableFundLinesFromCorrespondentBanks
|
18800000 | |
CY2014Q4 | usbi |
Available Fund Lines From Correspondent Banks
AvailableFundLinesFromCorrespondentBanks
|
18800000 | |
CY2015Q4 | us-gaap |
Securities Sold Under Agreements To Repurchase
SecuritiesSoldUnderAgreementsToRepurchase
|
400000 | |
CY2014Q4 | us-gaap |
Securities Sold Under Agreements To Repurchase
SecuritiesSoldUnderAgreementsToRepurchase
|
400000 | |
CY2015Q4 | us-gaap |
Federal Home Loan Bank Advances Maturities Summary Due Within One Year Of Balance Sheet Date
FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate
|
7000000 | |
CY2014Q4 | us-gaap |
Federal Home Loan Bank Advances General Debt Obligations Disclosures Collateral Pledged1
FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged1
|
5700000 | |
CY2015Q4 | us-gaap |
Federal Home Loan Bank Advances General Debt Obligations Disclosures Amount Of Available Unused Funds
FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds
|
152500000 | |
CY2014Q4 | us-gaap |
Federal Home Loan Bank Advances General Debt Obligations Disclosures Amount Of Available Unused Funds
FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds
|
166800000 | |
CY2015 | us-gaap |
Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
|
10000 | |
CY2014 | us-gaap |
Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
|
4000 | |
CY2015 | us-gaap |
Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
|
835000 | |
CY2014 | us-gaap |
Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
|
1213000 | |
CY2015 | us-gaap |
Federal Income Tax Expense Benefit Continuing Operations
FederalIncomeTaxExpenseBenefitContinuingOperations
|
845000 | |
CY2014 | us-gaap |
Federal Income Tax Expense Benefit Continuing Operations
FederalIncomeTaxExpenseBenefitContinuingOperations
|
1217000 | |
CY2015 | us-gaap |
Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
|
15000 | |
CY2014 | us-gaap |
Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
|
13000 | |
CY2015 | us-gaap |
Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
|
91000 | |
CY2014 | us-gaap |
Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
|
599000 | |
CY2015 | us-gaap |
State And Local Income Tax Expense Benefit Continuing Operations
StateAndLocalIncomeTaxExpenseBenefitContinuingOperations
|
106000 | |
CY2014 | us-gaap |
State And Local Income Tax Expense Benefit Continuing Operations
StateAndLocalIncomeTaxExpenseBenefitContinuingOperations
|
612000 | |
CY2015 | us-gaap |
Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate
|
0.268 | |
CY2015 | us-gaap |
Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
|
1206000 | |
CY2014 | us-gaap |
Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
|
1828000 | |
CY2015 | us-gaap |
Income Tax Reconciliation Tax Exempt Income
IncomeTaxReconciliationTaxExemptIncome
|
240000 | |
CY2014 | us-gaap |
Income Tax Reconciliation Tax Exempt Income
IncomeTaxReconciliationTaxExemptIncome
|
276000 | |
CY2015 | usbi |
Income Tax Reconciliation Deductions Life Insurance Amount
IncomeTaxReconciliationDeductionsLifeInsuranceAmount
|
108000 | |
CY2014 | usbi |
Income Tax Reconciliation Deductions Life Insurance Amount
IncomeTaxReconciliationDeductionsLifeInsuranceAmount
|
111000 | |
CY2015 | us-gaap |
Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
|
100000 | |
CY2014 | us-gaap |
Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
|
279000 | |
CY2015 | us-gaap |
Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
|
-7000 | |
CY2014 | us-gaap |
Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
|
109000 | |
CY2015Q4 | us-gaap |
Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses
|
1395000 | |
CY2014Q4 | us-gaap |
Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses
|
2276000 | |
CY2015Q4 | us-gaap |
Deferred Tax Assets Tax Deferred Expense Compensation And Benefits
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits
|
1617000 | |
CY2014Q4 | us-gaap |
Deferred Tax Assets Tax Deferred Expense Compensation And Benefits
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits
|
1586000 | |
CY2015Q4 | us-gaap |
Deferred Tax Assets Tax Deferred Expense
DeferredTaxAssetsTaxDeferredExpense
|
165000 | |
CY2014Q4 | us-gaap |
Deferred Tax Assets Tax Deferred Expense
DeferredTaxAssetsTaxDeferredExpense
|
181000 | |
CY2015Q4 | us-gaap |
Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Impairment Losses
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsImpairmentLosses
|
924000 | |
CY2014Q4 | us-gaap |
Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Impairment Losses
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsImpairmentLosses
|
1199000 | |
CY2015Q4 | us-gaap |
Deferred Tax Assets Operating Loss Carryforwards Domestic
DeferredTaxAssetsOperatingLossCarryforwardsDomestic
|
3591000 | |
CY2014Q4 | us-gaap |
Deferred Tax Assets Operating Loss Carryforwards Domestic
DeferredTaxAssetsOperatingLossCarryforwardsDomestic
|
3360000 | |
CY2015Q4 | us-gaap |
Deferred Tax Assets Operating Loss Carryforwards
DeferredTaxAssetsOperatingLossCarryforwards
|
231000 | |
CY2014Q4 | us-gaap |
Deferred Tax Assets Operating Loss Carryforwards
DeferredTaxAssetsOperatingLossCarryforwards
|
230000 | |
CY2015Q4 | us-gaap |
Deferred Tax Assets Tax Credit Carryforwards
DeferredTaxAssetsTaxCreditCarryforwards
|
254000 | |
CY2014Q4 | us-gaap |
Deferred Tax Assets Tax Credit Carryforwards
DeferredTaxAssetsTaxCreditCarryforwards
|
231000 | |
CY2015Q4 | us-gaap |
Deferred Tax Assets Other
DeferredTaxAssetsOther
|
467000 | |
CY2014Q4 | us-gaap |
Deferred Tax Assets Other
DeferredTaxAssetsOther
|
464000 | |
CY2015Q4 | us-gaap |
Deferred Tax Assets Gross
DeferredTaxAssetsGross
|
8644000 | |
CY2014Q4 | us-gaap |
Deferred Tax Assets Gross
DeferredTaxAssetsGross
|
9527000 | |
CY2015Q4 | us-gaap |
Deferred Tax Liabilities Property Plant And Equipment
DeferredTaxLiabilitiesPropertyPlantAndEquipment
|
411000 | |
CY2014Q4 | us-gaap |
Deferred Tax Liabilities Property Plant And Equipment
DeferredTaxLiabilitiesPropertyPlantAndEquipment
|
490000 | |
CY2015Q4 | usbi |
Deferred Tax Liabilities Partnerships
DeferredTaxLiabilitiesPartnerships
|
106000 | |
CY2015Q4 | usbi |
Deferred Tax Assets Unrealized Gains On Available For Sale Securities Gross
DeferredTaxAssetsUnrealizedGainsOnAvailableForSaleSecuritiesGross
|
312000 | |
CY2014Q4 | usbi |
Deferred Tax Assets Unrealized Gains On Available For Sale Securities Gross
DeferredTaxAssetsUnrealizedGainsOnAvailableForSaleSecuritiesGross
|
1098000 | |
CY2015Q4 | us-gaap |
Deferred Tax Liabilities Other
DeferredTaxLiabilitiesOther
|
17000 | |
CY2015Q4 | us-gaap |
Deferred Income Tax Liabilities
DeferredIncomeTaxLiabilities
|
846000 | |
CY2014Q4 | us-gaap |
Deferred Income Tax Liabilities
DeferredIncomeTaxLiabilities
|
1588000 | |
CY2015Q4 | us-gaap |
Deferred Tax Assets Liabilities Net
DeferredTaxAssetsLiabilitiesNet
|
7798000 | |
CY2014Q4 | us-gaap |
Deferred Tax Assets Liabilities Net
DeferredTaxAssetsLiabilitiesNet
|
7939000 | |
CY2015Q4 | usbi |
Deferred Tax Assets Federal And State Net Operating Losses Carryforward
DeferredTaxAssetsFederalAndStateNetOperatingLossesCarryforward
|
4100000 | |
CY2014Q4 | usbi |
Deferred Tax Assets Federal And State Net Operating Losses Carryforward
DeferredTaxAssetsFederalAndStateNetOperatingLossesCarryforward
|
3800000 | |
CY2015Q4 | us-gaap |
Deferred Tax Assets Operating Loss Carryforwards Not Subject To Expiration
DeferredTaxAssetsOperatingLossCarryforwardsNotSubjectToExpiration
|
3700000 | |
CY2014Q4 | us-gaap |
Deferred Tax Assets Operating Loss Carryforwards Not Subject To Expiration
DeferredTaxAssetsOperatingLossCarryforwardsNotSubjectToExpiration
|
4100000 | |
CY2015 | usbi |
Period With Cumulative Gain Position
PeriodWithCumulativeGainPosition
|
P3Y | |
CY2015Q4 | us-gaap |
Unrecognized Tax Benefits
UnrecognizedTaxBenefits
|
0 | |
CY2015Q4 | us-gaap |
Unrecognized Tax Benefits Income Tax Penalties And Interest Accrued
UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued
|
0 | |
CY2015 | us-gaap |
Defined Contribution Plan Employer Matching Contribution Percent Of Match
DefinedContributionPlanEmployerMatchingContributionPercentOfMatch
|
1.00 | |
CY2014 | us-gaap |
Defined Contribution Plan Employer Matching Contribution Percent Of Match
DefinedContributionPlanEmployerMatchingContributionPercentOfMatch
|
1.00 | |
CY2015 | usbi |
Defined Contribution Plan Discretionary Contribution Percent
DefinedContributionPlanDiscretionaryContributionPercent
|
0.02 | |
CY2015 | us-gaap |
Defined Contribution Plan Employer Discretionary Contribution Amount
DefinedContributionPlanEmployerDiscretionaryContributionAmount
|
400000 | |
CY2014 | us-gaap |
Defined Contribution Plan Employer Discretionary Contribution Amount
DefinedContributionPlanEmployerDiscretionaryContributionAmount
|
300000 | |
CY2015Q4 | us-gaap |
Defined Benefit Plan Number Of Shares Of Equity Securities Issued By Employer And Related Parties Included In Plan Assets
DefinedBenefitPlanNumberOfSharesOfEquitySecuritiesIssuedByEmployerAndRelatedPartiesIncludedInPlanAssets
|
286725 | |
CY2014Q4 | us-gaap |
Defined Benefit Plan Number Of Shares Of Equity Securities Issued By Employer And Related Parties Included In Plan Assets
DefinedBenefitPlanNumberOfSharesOfEquitySecuritiesIssuedByEmployerAndRelatedPartiesIncludedInPlanAssets
|
292989 | |
CY2015 | us-gaap |
Defined Contribution Plan Maximum Annual Contributions Per Employee Percent
DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent
|
0.20 | |
CY2015 | usbi |
Deferred Compensation Plan Approved Date Under Meeting
DeferredCompensationPlanApprovedDateUnderMeeting
|
2004-05-11 | |
CY2014Q4 | us-gaap |
Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
|
83400 | |
CY2015 | us-gaap |
Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
|
96150 | |
CY2014 | us-gaap |
Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
|
83400 | |
CY2015 | us-gaap |
Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod
|
4000 | |
CY2015Q4 | us-gaap |
Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
|
175550 | |
CY2015Q4 | us-gaap |
Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber
|
80400 | |
CY2014Q4 | us-gaap |
Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber
|
72650 | |
CY2014Q4 | us-gaap |
Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
|
8.09 | |
CY2014Q4 | us-gaap |
Tier One Leverage Capital To Average Assets
TierOneLeverageCapitalToAverageAssets
|
0.1185 | |
CY2015 | us-gaap |
Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice
|
8.23 | |
CY2014Q4 | us-gaap |
Tier One Leverage Capital Required For Capital Adequacy To Average Assets
TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets
|
0.0400 | |
CY2014Q4 | us-gaap |
Tier One Leverage Capital Required To Be Well Capitalized To Average Assets
TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets
|
0.0500 | |
CY2014 | us-gaap |
Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice
|
8.09 | |
CY2015 | us-gaap |
Share Based Compensation Arrangements By Share Based Payment Award Options Forfeitures In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice
|
8.08 | |
CY2015Q4 | us-gaap |
Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
|
8.17 | |
CY2015Q4 | us-gaap |
Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice
|
8.09 | |
CY2014Q4 | us-gaap |
Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice
|
8.10 | |
CY2015Q4 | us-gaap |
Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue
|
100000 | |
CY2014Q4 | us-gaap |
Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue
|
100000 | |
CY2015Q4 | us-gaap |
Tier One Risk Based Capital
TierOneRiskBasedCapital
|
71887000 | |
CY2015Q4 | us-gaap |
Tier One Risk Based Capital To Risk Weighted Assets
TierOneRiskBasedCapitalToRiskWeightedAssets
|
0.2219 | |
CY2015Q4 | us-gaap |
Tier One Risk Based Capital Required For Capital Adequacy To Risk Weighted Assets
TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets
|
0.0600 | |
CY2015Q4 | us-gaap |
Tier One Risk Based Capital Required To Be Well Capitalized To Risk Weighted Assets
TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
|
0.0800 | |
CY2015Q4 | us-gaap |
Capital
Capital
|
75668000 | |
CY2015Q4 | us-gaap |
Capital To Risk Weighted Assets
CapitalToRiskWeightedAssets
|
0.2335 | |
CY2015Q4 | us-gaap |
Capital Required For Capital Adequacy To Risk Weighted Assets
CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
|
0.0800 | |
CY2015Q4 | us-gaap |
Capital Required To Be Well Capitalized To Risk Weighted Assets
CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
|
0.1000 | |
CY2015Q4 | us-gaap |
Tier One Leverage Capital
TierOneLeverageCapital
|
71887000 | |
CY2015Q4 | us-gaap |
Tier One Leverage Capital To Average Assets
TierOneLeverageCapitalToAverageAssets
|
0.1302 | |
CY2015Q4 | us-gaap |
Tier One Leverage Capital Required For Capital Adequacy To Average Assets
TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets
|
0.0400 | |
CY2015Q4 | us-gaap |
Tier One Leverage Capital Required To Be Well Capitalized To Average Assets
TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets
|
0.0500 | |
CY2014Q4 | us-gaap |
Tier One Risk Based Capital
TierOneRiskBasedCapital
|
65908000 | |
CY2014Q4 | us-gaap |
Tier One Risk Based Capital To Risk Weighted Assets
TierOneRiskBasedCapitalToRiskWeightedAssets
|
0.2152 | |
CY2014Q4 | us-gaap |
Tier One Risk Based Capital Required For Capital Adequacy To Risk Weighted Assets
TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets
|
0.0400 | |
CY2014Q4 | us-gaap |
Tier One Risk Based Capital Required To Be Well Capitalized To Risk Weighted Assets
TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
|
0.0600 | |
CY2014Q4 | us-gaap |
Capital
Capital
|
69765000 | |
CY2014Q4 | us-gaap |
Capital To Risk Weighted Assets
CapitalToRiskWeightedAssets
|
0.2278 | |
CY2014Q4 | us-gaap |
Capital Required For Capital Adequacy To Risk Weighted Assets
CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
|
0.0800 | |
CY2014Q4 | us-gaap |
Capital Required To Be Well Capitalized To Risk Weighted Assets
CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
|
0.1000 | |
CY2014Q4 | us-gaap |
Tier One Leverage Capital
TierOneLeverageCapital
|
65908000 | |
CY2015 | us-gaap |
Description Of Regulatory Requirements Capital Adequacy Purposes
DescriptionOfRegulatoryRequirementsCapitalAdequacyPurposes
|
The FDIC issued a notice of proposed rulemaking in June 2015 that it revised in January 2016 to set forth several significant proposed changes to the methodology for calculating deposit insurance assessments for banks with less than $10 billion in assets. Under the proposed rule, the current system would be eliminated, and the rate would instead be determined based on a number of factors, including the bank’s CAMELS ratings, leverage ratio, net income, non-performing loan ratios, OREO ratios, core deposit ratios, one-year organic asset growth and a loan mix index. The CAMELS rating system is a supervisory rating system developed to classify a bank’s overall condition by taking into account capital adequacy, assets, management capability, earnings, liquidity and sensitivity to market and interest rate risk. The loan mix index component of the assessment model requires banks to calculate each of their loan categories as a percentage of assets and then multiply each category by a standardized historical charge-off rate percentage provided by the FDIC, with a higher index leading to a higher assessment rate. The proposal would implement maximum assessment rates for institutions with a composite CAMELS rating of 1 or 2 and minimum rates for institutions with a rating of 3, 4 or 5. As revised, the rules would go into effect the quarter after the reserve ratio of the Deposit Insurance Fund reaches 1.15 percent (or the first quarter after a final rule is adopted that the rule can take effect, whichever is later). | |
CY2015 | us-gaap |
Regulatory Restrictions On Payment Of Dividends
RegulatoryRestrictionsOnPaymentOfDividends
|
Under applicable Delaware law, dividends may be paid only out of “surplus,” defined as an amount equal to the present fair value of the total assets of the corporation, minus the present fair value of the total liabilities of the corporation, minus the capital of the corporation as determined in accordance with the Delaware General Corporation Law. In the event that there is no surplus, dividends may be paid out of the net profits of the corporation for the fiscal year in which the dividend is declared and/or the immediately preceding fiscal year. Dividends may not be paid, however, out of net profits of the corporation if the capital represented by the issued and outstanding stock of all classes having a preference on the distribution of assets is impaired. Further, it is the policy of the Federal Reserve that bank holding companies should pay dividends only out of current earnings and only if future retained earnings would be consistent with the company’s capital, asset quality and financial condition. Since it has no significant independent sources of income, USBI’s ability to pay dividends depends on its ability to receive dividends from the Bank. Under Alabama law, a state-chartered bank must annually transfer to surplus at least 10% of its “net earnings” (defined as the remainder of all earnings from current operations plus actual recoveries on loans and investments and other assets, less all current operating expenses, actual losses, accrued dividends on preferred stock, and all federal, state and local taxes) until the bank’s surplus is at least 20% of its capital. Until the bank’s surplus reaches this level, a bank may not declare a dividend in excess of 90% of its net earnings. Once a bank’s surplus equals or exceeds 20% of its capital, if the total of all dividends declared by the bank in a calendar year will exceed the sum of its net earnings for that year and its retained net earnings for the preceding two years (less any required transfers to surplus), then the bank must obtain prior written approval from the Superintendent of the Alabama State Banking Department. The bank may not pay any dividends or make any withdrawals or transfers from surplus without the prior written approval of the Superintendent. The FDIC prohibits the payment of cash dividends if (i) as a result of such payment, the bank would be undercapitalized or (ii) the bank is in default with respect to any assessment due to the FDIC, including a deposit insurance assessment. These restrictions could materially influence the Bank’s, and therefore USBI’s, ability to pay dividends. | |
CY2015 | us-gaap |
Number Of Reportable Segments
NumberOfReportableSegments
|
2 | |
CY2015Q4 | us-gaap |
Marketable Securities
MarketableSecurities
|
231202000 | |
CY2015Q4 | us-gaap |
Investments In Affiliates Subsidiaries Associates And Joint Ventures
InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures
|
5000 | |
CY2015 | usbi |
Interest Income From External Customers
InterestIncomeFromExternalCustomers
|
29897000 | |
CY2014Q4 | us-gaap |
Marketable Securities
MarketableSecurities
|
234086000 | |
CY2014Q4 | us-gaap |
Investments In Affiliates Subsidiaries Associates And Joint Ventures
InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures
|
5000 | |
CY2014 | usbi |
Interest Income From External Customers
InterestIncomeFromExternalCustomers
|
31361000 | |
CY2015 | us-gaap |
Professional Fees
ProfessionalFees
|
995000 | |
CY2014 | us-gaap |
Professional Fees
ProfessionalFees
|
1217000 | |
CY2015 | us-gaap |
Supplies And Postage Expense
SuppliesAndPostageExpense
|
753000 | |
CY2014 | us-gaap |
Supplies And Postage Expense
SuppliesAndPostageExpense
|
749000 | |
CY2015 | us-gaap |
Communications And Information Technology
CommunicationsAndInformationTechnology
|
671000 | |
CY2014 | us-gaap |
Communications And Information Technology
CommunicationsAndInformationTechnology
|
642000 | |
CY2015 | us-gaap |
Marketing And Advertising Expense
MarketingAndAdvertisingExpense
|
308000 | |
CY2014 | us-gaap |
Marketing And Advertising Expense
MarketingAndAdvertisingExpense
|
242000 | |
CY2015 | usbi |
Computer Services
ComputerServices
|
967000 | |
CY2014 | usbi |
Computer Services
ComputerServices
|
441000 | |
CY2015 | usbi |
Collection And Recoveries
CollectionAndRecoveries
|
367000 | |
CY2014 | usbi |
Collection And Recoveries
CollectionAndRecoveries
|
577000 | |
CY2015 | us-gaap |
Other Cost Of Services
OtherCostOfServices
|
398000 | |
CY2014 | us-gaap |
Other Cost Of Services
OtherCostOfServices
|
488000 | |
CY2015 | us-gaap |
General Insurance Expense
GeneralInsuranceExpense
|
579000 | |
CY2014 | us-gaap |
General Insurance Expense
GeneralInsuranceExpense
|
574000 | |
CY2015 | us-gaap |
Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
|
462000 | |
CY2014 | us-gaap |
Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
|
641000 | |
CY2015 | us-gaap |
Other Cost And Expense Operating
OtherCostAndExpenseOperating
|
2070000 | |
CY2014 | us-gaap |
Other Cost And Expense Operating
OtherCostAndExpenseOperating
|
2031000 | |
CY2015 | us-gaap |
Operating Expenses
OperatingExpenses
|
7570000 | |
CY2014 | us-gaap |
Operating Expenses
OperatingExpenses
|
7602000 | |
CY2015Q4 | us-gaap |
Operating Leases Future Minimum Payments Due Current
OperatingLeasesFutureMinimumPaymentsDueCurrent
|
475000 | |
CY2015Q4 | us-gaap |
Operating Leases Future Minimum Payments Due In Two Years
OperatingLeasesFutureMinimumPaymentsDueInTwoYears
|
350000 | |
CY2015Q4 | us-gaap |
Operating Leases Future Minimum Payments Due In Three Years
OperatingLeasesFutureMinimumPaymentsDueInThreeYears
|
285000 | |
CY2015Q4 | us-gaap |
Operating Leases Future Minimum Payments Due In Four Years
OperatingLeasesFutureMinimumPaymentsDueInFourYears
|
252000 | |
CY2015Q4 | us-gaap |
Operating Leases Future Minimum Payments Due In Five Years
OperatingLeasesFutureMinimumPaymentsDueInFiveYears
|
106000 | |
CY2015Q4 | us-gaap |
Operating Leases Future Minimum Payments Due Thereafter
OperatingLeasesFutureMinimumPaymentsDueThereafter
|
20000 | |
CY2015 | us-gaap |
Operating Leases Rent Expense Net
OperatingLeasesRentExpenseNet
|
800000 | |
CY2014 | us-gaap |
Operating Leases Rent Expense Net
OperatingLeasesRentExpenseNet
|
800000 | |
CY2015 | usbi |
Credit Losses Associated With Derivative Contracts
CreditLossesAssociatedWithDerivativeContracts
|
0 | |
CY2014 | usbi |
Credit Losses Associated With Derivative Contracts
CreditLossesAssociatedWithDerivativeContracts
|
0 | |
CY2015Q4 | usbi |
Securities Committed To Purchase Amount
SecuritiesCommittedToPurchaseAmount
|
0 | |
CY2014Q4 | usbi |
Securities Committed To Purchase Amount
SecuritiesCommittedToPurchaseAmount
|
0 | |
CY2015Q4 | usbi |
Securities Committed To Sell Amount
SecuritiesCommittedToSellAmount
|
0 | |
CY2014Q4 | usbi |
Securities Committed To Sell Amount
SecuritiesCommittedToSellAmount
|
0 | |
CY2015Q4 | us-gaap |
Liabilities Fair Value Disclosure Recurring
LiabilitiesFairValueDisclosureRecurring
|
0 | |
CY2014Q4 | us-gaap |
Liabilities Fair Value Disclosure Recurring
LiabilitiesFairValueDisclosureRecurring
|
0 | |
CY2015Q4 | us-gaap |
Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
|
7513000 | |
CY2015Q3 | us-gaap |
Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
|
7328000 | |
CY2015Q2 | us-gaap |
Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
|
7735000 | |
CY2015Q1 | us-gaap |
Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
|
7321000 | |
CY2014Q4 | us-gaap |
Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
|
7686000 | |
CY2014Q3 | us-gaap |
Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
|
7899000 | |
CY2014Q2 | us-gaap |
Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
|
7930000 | |
CY2014Q1 | us-gaap |
Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
|
7846000 | |
CY2015Q4 | us-gaap |
Interest Expense
InterestExpense
|
549000 | |
CY2015Q3 | us-gaap |
Interest Expense
InterestExpense
|
561000 | |
CY2015Q2 | us-gaap |
Interest Expense
InterestExpense
|
565000 | |
CY2015Q1 | us-gaap |
Interest Expense
InterestExpense
|
614000 | |
CY2014Q4 | us-gaap |
Interest Expense
InterestExpense
|
636000 | |
CY2014Q3 | us-gaap |
Interest Expense
InterestExpense
|
642000 | |
CY2014Q2 | us-gaap |
Interest Expense
InterestExpense
|
630000 | |
CY2014Q1 | us-gaap |
Interest Expense
InterestExpense
|
645000 | |
CY2014Q3 | us-gaap |
Noninterest Income
NoninterestIncome
|
1180000 | |
CY2014Q2 | us-gaap |
Noninterest Income
NoninterestIncome
|
1485000 | |
CY2014Q1 | us-gaap |
Noninterest Income
NoninterestIncome
|
1147000 | |
CY2015Q4 | us-gaap |
Interest Income Expense Net
InterestIncomeExpenseNet
|
6964000 | |
CY2015Q3 | us-gaap |
Interest Income Expense Net
InterestIncomeExpenseNet
|
6767000 | |
CY2015Q2 | us-gaap |
Interest Income Expense Net
InterestIncomeExpenseNet
|
7170000 | |
CY2015Q1 | us-gaap |
Interest Income Expense Net
InterestIncomeExpenseNet
|
6707000 | |
CY2014Q4 | us-gaap |
Interest Income Expense Net
InterestIncomeExpenseNet
|
7050000 | |
CY2014Q3 | us-gaap |
Interest Income Expense Net
InterestIncomeExpenseNet
|
7257000 | |
CY2014Q2 | us-gaap |
Interest Income Expense Net
InterestIncomeExpenseNet
|
7300000 | |
CY2014Q1 | us-gaap |
Interest Income Expense Net
InterestIncomeExpenseNet
|
7201000 | |
CY2015Q4 | usbi |
Provision Reduction In Reserve For Loan Losses
ProvisionReductionInReserveForLoanLosses
|
415000 | |
CY2015Q3 | usbi |
Provision Reduction In Reserve For Loan Losses
ProvisionReductionInReserveForLoanLosses
|
-78000 | |
CY2015Q2 | usbi |
Provision Reduction In Reserve For Loan Losses
ProvisionReductionInReserveForLoanLosses
|
45000 | |
CY2015Q1 | usbi |
Provision Reduction In Reserve For Loan Losses
ProvisionReductionInReserveForLoanLosses
|
-166000 | |
CY2014Q4 | usbi |
Provision Reduction In Reserve For Loan Losses
ProvisionReductionInReserveForLoanLosses
|
-169000 | |
CY2014Q3 | usbi |
Provision Reduction In Reserve For Loan Losses
ProvisionReductionInReserveForLoanLosses
|
-55000 | |
CY2014Q2 | usbi |
Provision Reduction In Reserve For Loan Losses
ProvisionReductionInReserveForLoanLosses
|
-264000 | |
CY2014Q1 | usbi |
Provision Reduction In Reserve For Loan Losses
ProvisionReductionInReserveForLoanLosses
|
414000 | |
CY2015Q4 | us-gaap |
Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
|
6549000 | |
CY2015Q3 | us-gaap |
Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
|
6845000 | |
CY2015Q2 | us-gaap |
Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
|
7125000 | |
CY2015Q1 | us-gaap |
Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
|
6873000 | |
CY2014Q4 | us-gaap |
Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
|
7219000 | |
CY2014Q3 | us-gaap |
Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
|
7312000 | |
CY2014Q2 | us-gaap |
Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
|
7564000 | |
CY2014Q1 | us-gaap |
Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
|
6787000 | |
CY2015Q4 | us-gaap |
Noninterest Income
NoninterestIncome
|
1176000 | |
CY2015Q3 | us-gaap |
Noninterest Income
NoninterestIncome
|
996000 | |
CY2015Q2 | us-gaap |
Noninterest Income
NoninterestIncome
|
1068000 | |
CY2015Q1 | us-gaap |
Noninterest Income
NoninterestIncome
|
1291000 | |
CY2014Q4 | us-gaap |
Noninterest Income
NoninterestIncome
|
1279000 | |
CY2015Q4 | us-gaap |
Noninterest Expense
NoninterestExpense
|
7203000 | |
CY2015Q3 | us-gaap |
Noninterest Expense
NoninterestExpense
|
7090000 | |
CY2015Q2 | us-gaap |
Noninterest Expense
NoninterestExpense
|
7107000 | |
CY2015Q1 | us-gaap |
Noninterest Expense
NoninterestExpense
|
6977000 | |
CY2014Q4 | us-gaap |
Noninterest Expense
NoninterestExpense
|
7246000 | |
CY2014Q3 | us-gaap |
Noninterest Expense
NoninterestExpense
|
7242000 | |
CY2014Q2 | us-gaap |
Noninterest Expense
NoninterestExpense
|
7223000 | |
CY2014Q1 | us-gaap |
Noninterest Expense
NoninterestExpense
|
6884000 | |
CY2015Q4 | us-gaap |
Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
|
522000 | |
CY2015Q3 | us-gaap |
Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
|
751000 | |
CY2015Q2 | us-gaap |
Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
|
1086000 | |
CY2015Q1 | us-gaap |
Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
|
1187000 | |
CY2014Q4 | us-gaap |
Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
|
1252000 | |
CY2014Q3 | us-gaap |
Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
|
1250000 | |
CY2014Q2 | us-gaap |
Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
|
1826000 | |
CY2014Q1 | us-gaap |
Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
|
1050000 | |
CY2015Q4 | us-gaap |
Income Tax Expense Benefit
IncomeTaxExpenseBenefit
|
81000 | |
CY2015Q3 | us-gaap |
Income Tax Expense Benefit
IncomeTaxExpenseBenefit
|
207000 | |
CY2015Q2 | us-gaap |
Income Tax Expense Benefit
IncomeTaxExpenseBenefit
|
312000 | |
CY2015Q1 | us-gaap |
Income Tax Expense Benefit
IncomeTaxExpenseBenefit
|
351000 | |
CY2014Q4 | us-gaap |
Income Tax Expense Benefit
IncomeTaxExpenseBenefit
|
532000 | |
CY2014Q3 | us-gaap |
Income Tax Expense Benefit
IncomeTaxExpenseBenefit
|
413000 | |
CY2014Q2 | us-gaap |
Income Tax Expense Benefit
IncomeTaxExpenseBenefit
|
608000 | |
CY2014Q1 | us-gaap |
Income Tax Expense Benefit
IncomeTaxExpenseBenefit
|
276000 | |
CY2015Q4 | us-gaap |
Profit Loss
ProfitLoss
|
441000 | |
CY2015Q3 | us-gaap |
Profit Loss
ProfitLoss
|
544000 | |
CY2014Q4 | us-gaap |
Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
|
0.02 | |
CY2015Q1 | us-gaap |
Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
|
0.02 | |
CY2015Q2 | us-gaap |
Profit Loss
ProfitLoss
|
774000 | |
CY2015Q1 | us-gaap |
Profit Loss
ProfitLoss
|
836000 | |
CY2014Q4 | us-gaap |
Profit Loss
ProfitLoss
|
720000 | |
CY2014Q3 | us-gaap |
Profit Loss
ProfitLoss
|
837000 | |
CY2014Q2 | us-gaap |
Profit Loss
ProfitLoss
|
1218000 | |
CY2014Q1 | us-gaap |
Profit Loss
ProfitLoss
|
774000 | |
CY2015Q4 | us-gaap |
Earnings Per Share Basic
EarningsPerShareBasic
|
0.07 | |
CY2015Q3 | us-gaap |
Earnings Per Share Basic
EarningsPerShareBasic
|
0.09 | |
CY2015Q2 | us-gaap |
Earnings Per Share Basic
EarningsPerShareBasic
|
0.13 | |
CY2015Q1 | us-gaap |
Earnings Per Share Basic
EarningsPerShareBasic
|
0.14 | |
CY2014Q4 | us-gaap |
Earnings Per Share Basic
EarningsPerShareBasic
|
0.12 | |
CY2014Q3 | us-gaap |
Earnings Per Share Basic
EarningsPerShareBasic
|
0.14 | |
CY2014Q2 | us-gaap |
Earnings Per Share Basic
EarningsPerShareBasic
|
0.20 | |
CY2014Q1 | us-gaap |
Earnings Per Share Basic
EarningsPerShareBasic
|
0.13 | |
CY2015Q4 | us-gaap |
Earnings Per Share Diluted
EarningsPerShareDiluted
|
0.07 | |
CY2015Q3 | us-gaap |
Earnings Per Share Diluted
EarningsPerShareDiluted
|
0.09 | |
CY2015Q2 | us-gaap |
Earnings Per Share Diluted
EarningsPerShareDiluted
|
0.12 | |
CY2015Q1 | us-gaap |
Earnings Per Share Diluted
EarningsPerShareDiluted
|
0.13 | |
CY2014Q4 | us-gaap |
Earnings Per Share Diluted
EarningsPerShareDiluted
|
0.12 | |
CY2014Q3 | us-gaap |
Earnings Per Share Diluted
EarningsPerShareDiluted
|
0.13 | |
CY2014Q2 | us-gaap |
Earnings Per Share Diluted
EarningsPerShareDiluted
|
0.20 | |
CY2014Q1 | us-gaap |
Earnings Per Share Diluted
EarningsPerShareDiluted
|
0.13 | |
CY2015Q4 | us-gaap |
Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
|
0.02 | |
CY2015Q3 | us-gaap |
Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
|
0.02 | |
CY2015Q2 | us-gaap |
Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
|
0.02 | |
CY2014Q3 | us-gaap |
Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
|
0.01 |