Call reports 2014
UNITED ROOSEVELT SAVINGS BANK — 2014
What UNITED ROOSEVELT SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 91,699,000 | 90,922,000 | 89,772,000 | 89,410,000 |
| Total loans | 13,479,000 | 12,956,000 | 12,526,000 | 11,818,000 |
| Allowance for loan losses | 135,000 | 122,000 | 121,000 | 115,000 |
| Securities available for sale | 60,906,000 | 60,071,000 | 59,980,000 | 60,756,000 |
| Securities held to maturity | 7,535,000 | 6,998,000 | 6,639,000 | 6,349,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,043,000 | 74,798,000 | 73,747,000 | 73,451,000 |
| Interest-bearing deposits | 74,821,000 | 73,576,000 | 72,543,000 | 72,286,000 |
| Noninterest-bearing deposits | 1,222,000 | 1,222,000 | 1,204,000 | 1,165,000 |
| Equity capital | 13,960,000 | 14,429,000 | 14,567,000 | 14,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 597,000 | 1,176,000 | 1,743,000 | 2,293,000 |
| Interest expense | 103,000 | 204,000 | 309,000 | 412,000 |
| Net interest income | 494,000 | 972,000 | 1,434,000 | 1,881,000 |
| Noninterest income | 26,000 | 64,000 | 93,000 | 120,000 |
| Noninterest expense | 576,000 | 1,150,000 | 1,632,000 | 2,167,000 |
| Provision for loan losses | 9,000 | 49,000 | 5,000 | 24,000 |
| Pretax income | -65,000 | -163,000 | -110,000 | -190,000 |
| Income tax | -29,000 | -73,000 | -48,000 | -85,000 |
| Net income | -36,000 | -90,000 | -62,000 | -105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,173,000 | 15,119,000 | 15,147,000 | 15,104,000 |
| Total capital | 15,308,000 | 15,241,000 | 15,268,000 | 15,219,000 |
| Risk-weighted assets | 27,893,000 | 27,128,000 | 26,722,000 | 24,247,000 |