Call reports 2005
UNITED SECURITY BANK — 2005
What UNITED SECURITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 32,281,000 | 32,954,000 | 32,008,000 | 32,544,000 |
| Total loans | 23,111,000 | 23,371,000 | 23,879,000 | 24,249,000 |
| Allowance for loan losses | 243,000 | 241,000 | 235,000 | 235,000 |
| Securities available for sale | 3,735,000 | 3,548,000 | 3,521,000 | 3,290,000 |
| Securities held to maturity | 2,261,000 | 2,359,000 | 2,455,000 | 2,448,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,286,000 | 27,930,000 | 26,882,000 | 27,347,000 |
| Interest-bearing deposits | 21,953,000 | 21,311,000 | 20,948,000 | 21,464,000 |
| Noninterest-bearing deposits | 5,333,000 | 6,619,000 | 5,934,000 | 5,883,000 |
| Equity capital | 4,844,000 | 4,874,000 | 4,980,000 | 5,062,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 510,000 | 1,019,000 | 1,550,000 | 2,063,000 |
| Interest expense | 85,000 | 177,000 | 277,000 | 384,000 |
| Net interest income | 425,000 | 842,000 | 1,273,000 | 1,679,000 |
| Noninterest income | 56,000 | 122,000 | 187,000 | 255,000 |
| Noninterest expense | 324,000 | 631,000 | 955,000 | 1,312,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 157,000 | 333,000 | 505,000 | 622,000 |
| Income tax | 60,000 | 120,000 | 180,000 | 210,000 |
| Net income | 97,000 | 213,000 | 325,000 | 412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,880,000 | 4,896,000 | 5,008,000 | 5,094,000 |
| Total capital | 5,123,000 | 5,137,000 | 5,243,000 | 5,329,000 |
| Risk-weighted assets | 20,459,000 | 20,762,000 | 21,100,000 | 21,174,000 |
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