Call reports 2004
UNITED-AMERICAN SAVINGS BANK, THE — 2004
What UNITED-AMERICAN SAVINGS BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 36,344,000 | 36,079,000 | 37,240,000 | 38,298,000 |
| Total loans | 24,703,000 | 26,384,000 | 27,750,000 | 28,068,000 |
| Allowance for loan losses | 262,000 | 260,000 | 261,000 | 261,000 |
| Securities available for sale | 8,205,000 | 7,901,000 | 7,521,000 | 7,019,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,053,000 | 29,137,000 | 28,625,000 | 30,114,000 |
| Interest-bearing deposits | 27,766,000 | 27,847,000 | 27,485,000 | 28,829,000 |
| Noninterest-bearing deposits | 1,287,000 | 1,291,000 | 1,140,000 | 1,285,000 |
| Equity capital | 2,976,000 | 2,929,000 | 2,979,000 | 3,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 486,000 | 1,039,000 | 1,565,000 | 2,107,000 |
| Interest expense | 228,000 | 447,000 | 675,000 | 914,000 |
| Net interest income | 258,000 | 592,000 | 890,000 | 1,193,000 |
| Noninterest income | 15,000 | 20,000 | 28,000 | 33,000 |
| Noninterest expense | 261,000 | 534,000 | 809,000 | 1,096,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 12,000 | 78,000 | 109,000 | 128,000 |
| Income tax | 5,000 | 24,000 | 31,000 | 37,000 |
| Net income | 7,000 | 54,000 | 78,000 | 91,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,952,000 | 2,993,000 | 3,017,000 | 3,031,000 |
| Total capital | 3,179,000 | 3,228,000 | 3,264,000 | 3,281,000 |
| Risk-weighted assets | 18,110,000 | 18,790,000 | 19,765,000 | 19,952,000 |
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