Call reports 2006
UNITED SECURITY BANK — 2006
What UNITED SECURITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 635,934,000 | 660,099,000 | 674,179,000 | 674,258,000 |
| Total loans | 435,838,000 | 476,450,000 | 492,908,000 | 494,144,000 |
| Allowance for loan losses | 5,982,000 | 6,063,000 | 6,049,000 | 6,409,000 |
| Securities available for sale | 93,815,000 | 91,237,000 | 90,034,000 | 83,366,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 549,400,000 | 565,964,000 | 593,030,000 | 589,673,000 |
| Interest-bearing deposits | 399,248,000 | 416,371,000 | 438,469,000 | 428,125,000 |
| Noninterest-bearing deposits | 150,153,000 | 149,594,000 | 154,561,000 | 161,548,000 |
| Equity capital | 72,924,000 | 72,526,000 | 75,403,000 | 77,701,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 10,594,000 | 22,050,000 | 34,643,000 | 47,536,000 |
| Interest expense | 2,446,000 | 5,417,000 | 9,053,000 | 12,820,000 |
| Net interest income | 8,148,000 | 16,633,000 | 25,590,000 | 34,716,000 |
| Noninterest income | 3,164,000 | 4,859,000 | 7,092,000 | 8,898,000 |
| Noninterest expense | 4,478,000 | 9,512,000 | 14,440,000 | 19,633,000 |
| Provision for loan losses | 240,000 | 363,000 | 639,000 | 880,000 |
| Pretax income | 6,594,000 | 11,617,000 | 17,603,000 | 23,128,000 |
| Income tax | 2,517,000 | 4,190,000 | 6,455,000 | 8,764,000 |
| Net income | 4,077,000 | 7,427,000 | 11,148,000 | 14,364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,848,000 | 70,328,000 | 73,114,000 | 75,710,000 |
| Total capital | 77,372,000 | 76,900,000 | 79,679,000 | 82,645,000 |
| Risk-weighted assets | 565,777,000 | 595,213,000 | 605,749,000 | 611,138,000 |