Call reports 2005
UNITED SECURITY BANK — 2005
What UNITED SECURITY BANK 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 | 611,784,000 | 618,464,000 | 625,108,000 | 625,239,000 |
| Total loans | 403,296,000 | 402,477,000 | 381,223,000 | 411,711,000 |
| Allowance for loan losses | 5,889,000 | 6,020,000 | 6,169,000 | 5,772,000 |
| Securities available for sale | 113,349,000 | 112,148,000 | 108,195,000 | 95,236,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 542,859,000 | 547,211,000 | 551,453,000 | 549,239,000 |
| Interest-bearing deposits | 398,272,000 | 404,414,000 | 404,954,000 | 393,347,000 |
| Noninterest-bearing deposits | 144,587,000 | 142,797,000 | 146,499,000 | 155,893,000 |
| Equity capital | 63,873,000 | 66,509,000 | 68,221,000 | 69,927,000 |
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 | 9,122,000 | 18,545,000 | 28,615,000 | 39,035,000 |
| Interest expense | 1,711,000 | 3,756,000 | 6,152,000 | 8,567,000 |
| Net interest income | 7,411,000 | 14,789,000 | 22,463,000 | 30,468,000 |
| Noninterest income | 1,306,000 | 3,013,000 | 4,426,000 | 5,960,000 |
| Noninterest expense | 3,922,000 | 7,668,000 | 11,664,000 | 15,949,000 |
| Provision for loan losses | 251,000 | 498,000 | 890,000 | 1,140,000 |
| Pretax income | 4,544,000 | 9,636,000 | 14,335,000 | 19,502,000 |
| Income tax | 1,683,000 | 3,590,000 | 5,354,000 | 7,255,000 |
| Net income | 2,861,000 | 6,046,000 | 8,981,000 | 12,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,395,000 | 62,956,000 | 65,842,000 | 67,700,000 |
| Total capital | 67,284,000 | 68,976,000 | 72,011,000 | 74,014,000 |
| Risk-weighted assets | 522,457,000 | 507,664,000 | 518,946,000 | 538,666,000 |
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