Call reports 2003
UNITED-AMERICAN SAVINGS BANK, THE — 2003
What UNITED-AMERICAN SAVINGS BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 44,268,000 | 42,018,000 | 38,993,000 | 37,017,000 |
| Total loans | 31,964,000 | 28,789,000 | 24,525,000 | 23,362,000 |
| Allowance for loan losses | 837,000 | 811,000 | 393,000 | 284,000 |
| Securities available for sale | 3,353,000 | 7,992,000 | 9,939,000 | 9,861,000 |
| Securities held to maturity | 2,783,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,882,000 | 33,775,000 | 31,057,000 | 29,445,000 |
| Interest-bearing deposits | 34,500,000 | 32,535,000 | 30,085,000 | 27,963,000 |
| Noninterest-bearing deposits | 1,382,000 | 1,240,000 | 972,000 | 1,482,000 |
| Equity capital | 2,817,000 | 2,980,000 | 2,980,000 | 2,928,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 654,000 | 1,360,000 | 1,916,000 | 2,442,000 |
| Interest expense | 343,000 | 672,000 | 964,000 | 1,219,000 |
| Net interest income | 311,000 | 688,000 | 952,000 | 1,223,000 |
| Noninterest income | 10,000 | 20,000 | 25,000 | 35,000 |
| Noninterest expense | 246,000 | 524,000 | 792,000 | 1,087,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 139,000 | 229,000 | 323,000 | 309,000 |
| Income tax | 86,000 | 85,000 | 113,000 | 105,000 |
| Net income | 53,000 | 144,000 | 210,000 | 204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,797,000 | 2,888,000 | 2,951,000 | 2,946,000 |
| Total capital | 3,106,000 | 3,200,000 | 3,186,000 | 3,169,000 |
| Risk-weighted assets | 24,161,000 | 24,471,000 | 18,650,000 | 17,758,000 |
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