Call reports 2005
UNITED ROOSEVELT SAVINGS BANK — 2005
What UNITED ROOSEVELT SAVINGS 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 | 102,444,000 | 100,786,000 | 99,547,000 | 107,419,000 |
| Total loans | 22,423,000 | 23,610,000 | 24,062,000 | 23,800,000 |
| Allowance for loan losses | 143,000 | 150,000 | 153,000 | 151,000 |
| Securities available for sale | 33,404,000 | 33,753,000 | 33,195,000 | 44,268,000 |
| Securities held to maturity | 37,633,000 | 35,720,000 | 33,755,000 | 32,088,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,781,000 | 83,747,000 | 82,897,000 | 81,410,000 |
| Interest-bearing deposits | 84,493,000 | 82,445,000 | 81,628,000 | 80,136,000 |
| Noninterest-bearing deposits | 1,288,000 | 1,302,000 | 1,269,000 | 1,274,000 |
| Equity capital | 14,895,000 | 15,238,000 | 15,017,000 | 15,268,000 |
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 | 1,082,000 | 2,119,000 | 3,175,000 | 4,219,000 |
| Interest expense | 306,000 | 640,000 | 1,015,000 | 1,445,000 |
| Net interest income | 776,000 | 1,479,000 | 2,160,000 | 2,774,000 |
| Noninterest income | 15,000 | 35,000 | 55,000 | 74,000 |
| Noninterest expense | 525,000 | 1,025,000 | 1,537,000 | 2,058,000 |
| Provision for loan losses | 0 | 7,000 | 10,000 | 8,000 |
| Pretax income | 266,000 | 482,000 | 668,000 | 782,000 |
| Income tax | 103,000 | 186,000 | 257,000 | 299,000 |
| Net income | 163,000 | 296,000 | 411,000 | 483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,776,000 | 13,909,000 | 14,024,000 | 14,096,000 |
| Total capital | 15,076,000 | 15,254,000 | 15,209,000 | 15,444,000 |
| Risk-weighted assets | 29,663,000 | 29,725,000 | 30,192,000 | 31,840,000 |
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