Call reports 2002
UNITED SAVINGS BANK — 2002
What UNITED SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 182,122,000 | 191,988,000 | 194,813,000 | 200,472,000 |
| Total loans | 94,563,000 | 94,666,000 | 94,488,000 | 100,258,000 |
| Allowance for loan losses | 2,008,000 | 2,008,000 | 2,008,000 | 2,008,000 |
| Securities available for sale | 11,886,000 | 10,921,000 | 9,719,000 | 7,154,000 |
| Securities held to maturity | 54,689,000 | 63,926,000 | 64,064,000 | 56,819,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,858,000 | 157,439,000 | 158,892,000 | 164,582,000 |
| Interest-bearing deposits | 134,564,000 | 143,800,000 | 143,223,000 | 148,963,000 |
| Noninterest-bearing deposits | 13,294,000 | 13,639,000 | 15,669,000 | 15,619,000 |
| Equity capital | 28,736,000 | 29,376,000 | 29,946,000 | 30,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,634,000 | 5,335,000 | 8,016,000 | 10,636,000 |
| Interest expense | 1,058,000 | 2,124,000 | 3,186,000 | 4,209,000 |
| Net interest income | 1,576,000 | 3,211,000 | 4,830,000 | 6,427,000 |
| Noninterest income | 240,000 | 480,000 | 704,000 | 982,000 |
| Noninterest expense | 1,024,000 | 2,035,000 | 2,998,000 | 3,994,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 792,000 | 1,656,000 | 2,536,000 | 3,415,000 |
| Income tax | 278,000 | 588,000 | 895,000 | 1,223,000 |
| Net income | 514,000 | 1,068,000 | 1,641,000 | 2,192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,888,000 | 28,472,000 | 29,075,000 | 29,656,000 |
| Total capital | 28,865,000 | 29,477,000 | 30,084,000 | 30,695,000 |
| Risk-weighted assets | 77,168,000 | 79,396,000 | 79,732,000 | 82,130,000 |