Call reports 2023
UNITED ROOSEVELT SAVINGS BANK — 2023
What UNITED ROOSEVELT SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 252,363,000 | 268,485,000 | 275,157,000 | 281,369,000 |
| Total loans | 181,168,000 | 200,910,000 | 212,791,000 | 223,022,000 |
| Allowance for loan losses | 1,371,000 | 1,397,000 | 1,478,000 | 1,478,000 |
| Securities available for sale | 11,241,000 | 10,952,000 | 10,437,000 | 10,498,000 |
| Securities held to maturity | 24,564,000 | 28,404,000 | 28,404,000 | 25,405,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,835,000 | 232,084,000 | 239,326,000 | 233,313,000 |
| Interest-bearing deposits | 217,417,000 | 228,524,000 | 235,720,000 | 229,255,000 |
| Noninterest-bearing deposits | 3,418,000 | 3,560,000 | 3,606,000 | 4,058,000 |
| Equity capital | 21,413,000 | 21,564,000 | 21,624,000 | 22,664,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,403,000 | 5,087,000 | 8,087,000 | 11,272,000 |
| Interest expense | 528,000 | 1,412,000 | 2,574,000 | 3,839,000 |
| Net interest income | 1,875,000 | 3,675,000 | 5,513,000 | 7,433,000 |
| Noninterest income | 42,000 | 89,000 | 142,000 | 194,000 |
| Noninterest expense | 1,361,000 | 2,796,000 | 4,350,000 | 6,304,000 |
| Provision for loan losses | 0 | 26,000 | 107,000 | 107,000 |
| Pretax income | 556,000 | 942,000 | 1,198,000 | 1,216,000 |
| Income tax | 155,000 | 257,000 | 319,000 | 305,000 |
| Net income | 401,000 | 685,000 | 879,000 | 911,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,196,000 | 23,481,000 | 23,674,000 | 24,260,000 |
| Total capital | 24,567,000 | 24,878,000 | 25,152,000 | 25,738,000 |
| Risk-weighted assets | 161,504,000 | 177,757,000 | 186,242,000 | 193,240,000 |