Call reports 2015
UNITED-AMERICAN SAVINGS BANK, THE — 2015
What UNITED-AMERICAN SAVINGS BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 89,414,000 | 91,472,000 | 90,811,000 | 89,839,000 |
| Total loans | 64,735,000 | 64,407,000 | 66,212,000 | 65,871,000 |
| Allowance for loan losses | 423,000 | 429,000 | 429,000 | 369,000 |
| Securities available for sale | 10,888,000 | 10,885,000 | 10,400,000 | 9,865,000 |
| Securities held to maturity | 8,776,000 | 8,791,000 | 8,806,000 | 8,821,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,863,000 | 75,887,000 | 74,998,000 | 74,085,000 |
| Interest-bearing deposits | 71,255,000 | 72,095,000 | 71,044,000 | 69,968,000 |
| Noninterest-bearing deposits | 3,608,000 | 3,792,000 | 3,954,000 | 4,117,000 |
| Equity capital | 7,560,000 | 7,716,000 | 7,917,000 | 7,958,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 927,000 | 1,835,000 | 2,804,000 | 3,742,000 |
| Interest expense | 187,000 | 382,000 | 584,000 | 788,000 |
| Net interest income | 740,000 | 1,453,000 | 2,220,000 | 2,954,000 |
| Noninterest income | 114,000 | 207,000 | 292,000 | 389,000 |
| Noninterest expense | 530,000 | 1,073,000 | 1,630,000 | 2,279,000 |
| Provision for loan losses | 20,000 | 30,000 | 30,000 | 16,000 |
| Pretax income | 304,000 | 557,000 | 852,000 | 1,048,000 |
| Income tax | 102,000 | 190,000 | 295,000 | 363,000 |
| Net income | 202,000 | 367,000 | 557,000 | 685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,029,000 | 8,208,000 | 8,412,000 | 8,458,000 |
| Total capital | 8,452,000 | 8,637,000 | 8,841,000 | 8,827,000 |
| Risk-weighted assets | 47,397,000 | 49,675,000 | 50,431,000 | 50,004,000 |