Call reports 2012
UNITED ROOSEVELT SAVINGS BANK — 2012
What UNITED ROOSEVELT SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 98,449,000 | 96,486,000 | 95,497,000 | 94,959,000 |
| Total loans | 18,492,000 | 18,052,000 | 16,905,000 | 16,435,000 |
| Allowance for loan losses | 198,000 | 142,000 | 143,000 | 143,000 |
| Securities available for sale | 63,826,000 | 61,351,000 | 63,681,000 | 59,609,000 |
| Securities held to maturity | 9,117,000 | 9,655,000 | 9,158,000 | 10,684,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,717,000 | 79,433,000 | 78,055,000 | 78,093,000 |
| Interest-bearing deposits | 80,465,000 | 78,194,000 | 76,856,000 | 76,885,000 |
| Noninterest-bearing deposits | 1,252,000 | 1,239,000 | 1,199,000 | 1,208,000 |
| Equity capital | 14,702,000 | 14,922,000 | 15,188,000 | 14,593,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 806,000 | 1,594,000 | 2,331,000 | 3,029,000 |
| Interest expense | 177,000 | 338,000 | 489,000 | 628,000 |
| Net interest income | 629,000 | 1,256,000 | 1,842,000 | 2,401,000 |
| Noninterest income | 15,000 | 35,000 | 45,000 | 23,000 |
| Noninterest expense | 606,000 | 1,237,000 | 1,854,000 | 2,405,000 |
| Provision for loan losses | 0 | 3,000 | 4,000 | 4,000 |
| Pretax income | 38,000 | 51,000 | 29,000 | 15,000 |
| Income tax | 16,000 | 21,000 | 12,000 | 7,000 |
| Net income | 22,000 | 30,000 | 17,000 | 8,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,372,000 | 15,380,000 | 15,367,000 | 15,358,000 |
| Total capital | 15,570,000 | 15,522,000 | 15,510,000 | 15,501,000 |
| Risk-weighted assets | 25,784,000 | 25,106,000 | 24,503,000 | 24,370,000 |