Call reports 2015
UNITED SECURITY BANK — 2015
What UNITED SECURITY BANK 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 | 679,999,000 | 684,477,000 | 720,549,000 | 725,719,000 |
| Total loans | 492,560,000 | 504,131,000 | 515,846,000 | 515,376,000 |
| Allowance for loan losses | 11,290,000 | 11,552,000 | 11,573,000 | 9,713,000 |
| Securities available for sale | 46,898,000 | 42,779,000 | 34,423,000 | 30,892,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 578,578,000 | 580,220,000 | 616,867,000 | 622,036,000 |
| Interest-bearing deposits | 350,730,000 | 344,463,000 | 357,957,000 | 359,637,000 |
| Noninterest-bearing deposits | 227,848,000 | 235,757,000 | 258,910,000 | 262,399,000 |
| Equity capital | 94,061,000 | 95,712,000 | 95,737,000 | 97,379,000 |
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 | 6,562,000 | 13,425,000 | 20,412,000 | 27,512,000 |
| Interest expense | 259,000 | 511,000 | 780,000 | 1,057,000 |
| Net interest income | 6,303,000 | 12,914,000 | 19,632,000 | 26,455,000 |
| Noninterest income | 977,000 | 2,142,000 | 3,134,000 | 4,278,000 |
| Noninterest expense | 4,595,000 | 9,148,000 | 13,912,000 | 18,991,000 |
| Provision for loan losses | 459,000 | 457,000 | 434,000 | -41,000 |
| Pretax income | 2,226,000 | 5,451,000 | 8,420,000 | 11,783,000 |
| Income tax | 851,000 | 2,112,000 | 3,267,000 | 4,693,000 |
| Net income | 1,375,000 | 3,339,000 | 5,153,000 | 7,090,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,270,000 | 89,383,000 | 89,378,000 | 92,981,000 |
| Total capital | 95,577,000 | 96,862,000 | 96,959,000 | 100,544,000 |
| Risk-weighted assets | 579,381,000 | 592,794,000 | 600,987,000 | 602,555,000 |