Call reports 2020
UNITED ROOSEVELT SAVINGS BANK — 2020
What UNITED ROOSEVELT SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 144,010,000 | 177,039,000 | 179,568,000 | 179,107,000 |
| Total loans | 121,844,000 | 136,033,000 | 138,586,000 | 134,841,000 |
| Allowance for loan losses | 834,000 | 984,000 | 1,134,000 | 1,184,000 |
| Securities available for sale | 9,695,000 | 19,999,000 | 18,542,000 | 16,640,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,023,000 | 132,152,000 | 137,848,000 | 136,995,000 |
| Interest-bearing deposits | 114,288,000 | 130,552,000 | 136,535,000 | 135,403,000 |
| Noninterest-bearing deposits | 1,735,000 | 1,600,000 | 1,313,000 | 1,592,000 |
| Equity capital | 14,777,000 | 14,984,000 | 15,126,000 | 15,760,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,277,000 | 2,754,000 | 4,277,000 | 5,631,000 |
| Interest expense | 374,000 | 675,000 | 960,000 | 1,219,000 |
| Net interest income | 903,000 | 2,079,000 | 3,317,000 | 4,412,000 |
| Noninterest income | 24,000 | 49,000 | 82,000 | 111,000 |
| Noninterest expense | 802,000 | 1,682,000 | 2,581,000 | 3,568,000 |
| Provision for loan losses | 74,000 | 224,000 | 374,000 | 424,000 |
| Pretax income | 51,000 | 222,000 | 470,000 | 557,000 |
| Income tax | 11,000 | 55,000 | 121,000 | 144,000 |
| Net income | 40,000 | 167,000 | 349,000 | 413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,321,000 | 16,449,000 | 16,630,000 | 16,689,000 |
| Total capital | 17,155,000 | 17,433,000 | 17,764,000 | 17,873,000 |
| Risk-weighted assets | 92,530,000 | 95,782,000 | 99,501,000 | 94,868,000 |