Call reports 2004
UNITED SECURITY BANK — 2004
What UNITED SECURITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 31,694,000 | 32,166,000 | 32,703,000 | 32,495,000 |
| Total loans | 22,493,000 | 22,232,000 | 22,442,000 | 22,654,000 |
| Allowance for loan losses | 237,000 | 242,000 | 241,000 | 242,000 |
| Securities available for sale | 4,171,000 | 3,896,000 | 3,900,000 | 3,770,000 |
| Securities held to maturity | 1,863,000 | 1,760,000 | 2,049,000 | 2,151,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,061,000 | 27,518,000 | 27,891,000 | 27,589,000 |
| Interest-bearing deposits | 21,760,000 | 21,913,000 | 21,812,000 | 21,819,000 |
| Noninterest-bearing deposits | 5,301,000 | 5,605,000 | 6,079,000 | 5,770,000 |
| Equity capital | 4,501,000 | 4,519,000 | 4,658,000 | 4,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 493,000 | 1,004,000 | 1,494,000 | 1,988,000 |
| Interest expense | 87,000 | 171,000 | 257,000 | 342,000 |
| Net interest income | 406,000 | 833,000 | 1,237,000 | 1,646,000 |
| Noninterest income | 65,000 | 147,000 | 225,000 | 365,000 |
| Noninterest expense | 321,000 | 623,000 | 916,000 | 1,294,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 147,000 | 351,000 | 537,000 | 705,000 |
| Income tax | 60,000 | 120,000 | 180,000 | 230,000 |
| Net income | 87,000 | 231,000 | 357,000 | 475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,501,000 | 4,539,000 | 4,665,000 | 4,783,000 |
| Total capital | 4,738,000 | 4,781,000 | 4,906,000 | 5,025,000 |
| Risk-weighted assets | 20,158,000 | 19,832,000 | 20,502,000 | 20,284,000 |
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