Call reports 2016
UNITED ROOSEVELT SAVINGS BANK — 2016
What UNITED ROOSEVELT SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 96,408,000 | 97,676,000 | 97,236,000 | 97,127,000 |
| Total loans | 58,188,000 | 71,580,000 | 75,938,000 | 76,614,000 |
| Allowance for loan losses | 366,000 | 432,000 | 466,000 | 414,000 |
| Securities available for sale | 20,568,000 | 14,635,000 | 12,303,000 | 11,643,000 |
| Securities held to maturity | 4,700,000 | 4,468,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,661,000 | 80,454,000 | 80,581,000 | 80,540,000 |
| Interest-bearing deposits | 78,350,000 | 79,072,000 | 79,162,000 | 79,267,000 |
| Noninterest-bearing deposits | 1,311,000 | 1,382,000 | 1,419,000 | 1,273,000 |
| Equity capital | 13,693,000 | 13,728,000 | 13,671,000 | 13,421,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 667,000 | 1,407,000 | 2,182,000 | 2,987,000 |
| Interest expense | 120,000 | 242,000 | 370,000 | 507,000 |
| Net interest income | 547,000 | 1,165,000 | 1,812,000 | 2,480,000 |
| Noninterest income | 20,000 | 46,000 | 66,000 | 96,000 |
| Noninterest expense | 672,000 | 1,349,000 | 2,194,000 | 2,956,000 |
| Provision for loan losses | 125,000 | 192,000 | 226,000 | 174,000 |
| Pretax income | 30,000 | -8,000 | -149,000 | -161,000 |
| Income tax | 9,000 | -11,000 | -72,000 | -46,000 |
| Net income | 21,000 | 3,000 | -77,000 | -115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,015,000 | 14,997,000 | 14,917,000 | 14,879,000 |
| Total capital | 15,381,000 | 15,429,000 | 15,383,000 | 15,293,000 |
| Risk-weighted assets | 42,572,000 | 52,193,000 | 55,905,000 | 55,339,000 |