Call reports 2004
UNITED SECURITY BANK — 2004
What UNITED SECURITY BANK 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 | 505,029,000 | 557,505,000 | 578,934,000 | 607,204,000 |
| Total loans | 354,449,000 | 377,555,000 | 380,696,000 | 392,139,000 |
| Allowance for loan losses | 3,957,000 | 5,367,000 | 5,602,000 | 5,782,000 |
| Securities available for sale | 79,312,000 | 94,890,000 | 93,680,000 | 112,250,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 444,992,000 | 492,702,000 | 512,108,000 | 538,777,000 |
| Interest-bearing deposits | 352,548,000 | 375,371,000 | 386,161,000 | 406,702,000 |
| Noninterest-bearing deposits | 92,444,000 | 117,330,000 | 125,947,000 | 132,075,000 |
| Equity capital | 56,818,000 | 60,299,000 | 62,655,000 | 63,472,000 |
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 | 6,589,000 | 14,187,000 | 22,284,000 | 30,868,000 |
| Interest expense | 1,264,000 | 2,627,000 | 4,028,000 | 5,612,000 |
| Net interest income | 5,324,000 | 11,560,000 | 18,256,000 | 25,256,000 |
| Noninterest income | 1,044,000 | 2,188,000 | 3,519,000 | 4,680,000 |
| Noninterest expense | 3,069,000 | 6,549,000 | 10,215,000 | 14,344,000 |
| Provision for loan losses | 3,712,000 | 4,109,000 | 4,358,000 | 4,614,000 |
| Pretax income | -376,000 | 3,134,000 | 7,237,000 | 11,013,000 |
| Income tax | -155,000 | 1,179,000 | 2,731,000 | 4,085,000 |
| Net income | -221,000 | 1,955,000 | 4,506,000 | 6,928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,481,000 | 57,059,000 | 58,890,000 | 60,061,000 |
| Total capital | 58,438,000 | 62,426,000 | 64,492,000 | 65,843,000 |
| Risk-weighted assets | 452,423,000 | 484,657,000 | 487,372,000 | 507,953,000 |