Call reports 2004
UNITED ROOSEVELT SAVINGS BANK — 2004
What UNITED ROOSEVELT SAVINGS 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 | 103,190,000 | 103,174,000 | 104,646,000 | 104,831,000 |
| Total loans | 19,232,000 | 19,248,000 | 20,881,000 | 22,415,000 |
| Allowance for loan losses | 127,000 | 127,000 | 132,000 | 143,000 |
| Securities available for sale | 29,056,000 | 34,528,000 | 34,969,000 | 34,181,000 |
| Securities held to maturity | 37,760,000 | 39,074,000 | 37,768,000 | 38,935,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,747,000 | 87,008,000 | 87,851,000 | 87,665,000 |
| Interest-bearing deposits | 85,475,000 | 85,729,000 | 86,576,000 | 86,393,000 |
| Noninterest-bearing deposits | 1,272,000 | 1,279,000 | 1,275,000 | 1,272,000 |
| Equity capital | 14,665,000 | 14,510,000 | 14,924,000 | 15,199,000 |
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 | 994,000 | 2,025,000 | 3,034,000 | 4,070,000 |
| Interest expense | 295,000 | 586,000 | 887,000 | 1,194,000 |
| Net interest income | 699,000 | 1,439,000 | 2,147,000 | 2,876,000 |
| Noninterest income | 23,000 | 60,000 | 83,000 | 104,000 |
| Noninterest expense | 519,000 | 1,030,000 | 1,512,000 | 2,010,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 16,000 |
| Pretax income | 203,000 | 469,000 | 713,000 | 954,000 |
| Income tax | 80,000 | 184,000 | 279,000 | 372,000 |
| Net income | 123,000 | 285,000 | 434,000 | 582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,154,000 | 13,316,000 | 13,465,000 | 13,613,000 |
| Total capital | 14,361,000 | 14,602,000 | 14,792,000 | 15,109,000 |
| Risk-weighted assets | 29,023,000 | 28,757,000 | 29,648,000 | 30,397,000 |
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