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Profile - United Sec. Bancshares (NasdaqSC:USBI)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | SEC | Msgs | Insider | Financials
Upcoming Events
Oct  1Dividend payment of $0.25
Location
131 West Front Street
Post Office Box 249
Thomasville, AL 36784
Phone: (334) 636-5424
Fax: (334) 636-9606
Employees (last reported count): 307
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Related Links
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Ownership
·Insider and 5%+ Owners: 13%
·Over the last 6 months:
 · one insider buy; 0  shares
·Institutional: 4% (5% of float)
(3 institutions)
·Net Inst. Buying: 19.0K shares (+11.80%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
United Security Bancshares, Inc. is a bank holding company that operates one banking subsidiary, First United Security Bank (the Bank). The Bank owns all of the stock of Acceptance Loan Company, Inc. (ALC), a finance company organized for the purpose of making consumer loans and purchasing consumer loans from vendors. Bancshares owns all the stock of First Security Courier Corporation, a corporation organized for the purpose of providing certain bank courier services. The Bank conducts a general commercial banking business and offers banking services such as the receipt of demand, savings and time deposits, personal and commercial loans, credit card and safe deposit box services and the purchase and sale of government securities. The Bank's wholly owned subsidiary, FUSB Reinsurance, Inc., reinsures or underwrites credit life and credit accident and health insurance policies sold to the Bank's consumer loan customers.
More from Market Guide: Expanded Business Description

Financial Summary
USBI is the holding company of First United Security Bank, which conducts commercial banking business and offers banking services through 18 offices in AL and MI. For the six months ended 6/30/01, total interest income rose 2% to $24.4 million. Interest income after loan loss prov. fell 6% to $11.9 million. Net income before acct. change fell 17% to $3.2 million. Results reflect increased investment securities and loans, offset by higher cost of borrowings and reduced fee income.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

R. Phillips, 47
Pres, CEO
$275K
Larry Sellers, 52
VP, Sec. and Treasurer
146K
Robert Steen, 52
Assistant Treasurer
119K
William Morgan, 52
Assistant Sec.
121K
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqSC:USBIAs of 31-Aug-2001
Price and Volume
52-Week Low
on 12-Apr-2001
$19.00 
Recent Price$27.35 
52-Week High
on 1-Feb-2001
$30.50 
Beta0.90 
Daily Volume (3-month avg)1,545 
Daily Volume (10-day avg)6,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y]
52-Week Change-8.8%
52-Week Change
relative to S&P500
+22.3%
Share-Related Items
Market Capitalization$97.6M
Shares Outstanding3.57M
Float3.10M
Dividends & Splits
Annual Dividend (indicated)$1.00 
Dividend Yield3.66%
Last Splitnone 
Per-Share Data
Book Value (mrq)$19.51 
Earnings (ttm)$1.71 
Earnings (mrq)$0.44 
Sales (ttm)$13.64 
Cash (mrq)$3.25 
Valuation Ratios
Price/Book (mrq)1.40 
Price/Earnings (ttm)15.97 
Price/Sales (ttm)2.00 
Income Statements
Sales (ttm)$48.8M
EBITDAN/A 
Income available to common (ttm)$6.12M
Profitability
Profit Margin (ttm)12.5%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)1.21%
Return on Equity (ttm)9.15%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0 
Total Cash (mrq)$11.6M
Short Interest
As of 8-Aug-2001
Shares Short0 
Shares Short
(Prior Month)
0 
Daily Volume1,000 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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