Call reports 2015
UNITED ROOSEVELT SAVINGS BANK — 2015
What UNITED ROOSEVELT SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 88,897,000 | 88,184,000 | 89,495,000 | 94,763,000 |
| Total loans | 11,260,000 | 14,926,000 | 33,519,000 | 41,792,000 |
| Allowance for loan losses | 111,000 | 110,000 | 225,000 | 242,000 |
| Securities available for sale | 61,174,000 | 58,382,000 | 38,175,000 | 36,257,000 |
| Securities held to maturity | 6,055,000 | 5,514,000 | 5,193,000 | 4,929,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,761,000 | 72,644,000 | 72,599,000 | 78,084,000 |
| Interest-bearing deposits | 71,604,000 | 71,458,000 | 71,338,000 | 76,658,000 |
| Noninterest-bearing deposits | 1,157,000 | 1,186,000 | 1,261,000 | 1,426,000 |
| Equity capital | 14,306,000 | 13,722,000 | 13,873,000 | 13,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 548,000 | 1,087,000 | 1,626,000 | 2,249,000 |
| Interest expense | 100,000 | 201,000 | 304,000 | 411,000 |
| Net interest income | 448,000 | 886,000 | 1,322,000 | 1,838,000 |
| Noninterest income | 23,000 | 44,000 | 67,000 | 89,000 |
| Noninterest expense | 613,000 | 1,064,000 | 1,585,000 | 2,189,000 |
| Provision for loan losses | 0 | 0 | 116,000 | 137,000 |
| Pretax income | -142,000 | -73,000 | -155,000 | -242,000 |
| Income tax | -60,000 | -38,000 | -76,000 | -132,000 |
| Net income | -82,000 | -35,000 | -79,000 | -110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,999,000 | 15,035,000 | 15,025,000 | 14,994,000 |
| Total capital | 15,110,000 | 15,145,000 | 15,250,000 | 15,236,000 |
| Risk-weighted assets | 23,776,000 | 26,189,000 | 32,429,000 | 37,316,000 |