Call reports 2005
UNITED-AMERICAN SAVINGS BANK, THE — 2005
What UNITED-AMERICAN SAVINGS BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 39,146,000 | 39,175,000 | 41,809,000 | 42,857,000 |
| Total loans | 29,532,000 | 29,539,000 | 31,811,000 | 33,080,000 |
| Allowance for loan losses | 261,000 | 261,000 | 261,000 | 242,000 |
| Securities available for sale | 7,300,000 | 7,456,000 | 7,471,000 | 7,445,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,321,000 | 31,651,000 | 32,877,000 | 34,410,000 |
| Interest-bearing deposits | 29,969,000 | 30,195,000 | 31,212,000 | 31,795,000 |
| Noninterest-bearing deposits | 1,352,000 | 1,456,000 | 1,666,000 | 2,615,000 |
| Equity capital | 3,022,000 | 3,103,000 | 3,089,000 | 3,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 589,000 | 1,155,000 | 1,746,000 | 2,375,000 |
| Interest expense | 243,000 | 497,000 | 785,000 | 1,096,000 |
| Net interest income | 346,000 | 658,000 | 961,000 | 1,279,000 |
| Noninterest income | 6,000 | 17,000 | 30,000 | 44,000 |
| Noninterest expense | 223,000 | 495,000 | 775,000 | 1,078,000 |
| Provision for loan losses | 0 | 0 | 0 | 6,000 |
| Pretax income | 129,000 | 180,000 | 216,000 | 239,000 |
| Income tax | 55,000 | 69,000 | 82,000 | 87,000 |
| Net income | 74,000 | 111,000 | 134,000 | 152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,103,000 | 3,136,000 | 3,156,000 | 3,173,000 |
| Total capital | 3,361,000 | 3,396,000 | 3,417,000 | 3,415,000 |
| Risk-weighted assets | 20,597,000 | 20,762,000 | 22,260,000 | 23,069,000 |
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