Call reports 2003
UNITED SAVINGS BANK — 2003
What UNITED SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 202,434,000 | 206,824,000 | 207,684,000 | 210,758,000 |
| Total loans | 99,904,000 | 105,697,000 | 108,854,000 | 112,920,000 |
| Allowance for loan losses | 2,008,000 | 2,008,000 | 2,008,000 | 1,801,000 |
| Securities available for sale | 6,681,000 | 2,199,000 | 1,804,000 | 1,636,000 |
| Securities held to maturity | 55,658,000 | 54,451,000 | 65,370,000 | 67,646,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,742,000 | 169,095,000 | 168,268,000 | 172,148,000 |
| Interest-bearing deposits | 148,262,000 | 151,694,000 | 151,279,000 | 151,889,000 |
| Noninterest-bearing deposits | 16,480,000 | 17,401,000 | 16,989,000 | 20,259,000 |
| Equity capital | 31,071,000 | 31,565,000 | 32,001,000 | 32,394,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,694,000 | 5,161,000 | 7,457,000 | 9,705,000 |
| Interest expense | 945,000 | 1,820,000 | 2,664,000 | 3,460,000 |
| Net interest income | 1,749,000 | 3,341,000 | 4,793,000 | 6,245,000 |
| Noninterest income | 255,000 | 622,000 | 902,000 | 1,125,000 |
| Noninterest expense | 1,029,000 | 2,207,000 | 3,290,000 | 4,406,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 975,000 | 1,756,000 | 2,405,000 | 2,964,000 |
| Income tax | 335,000 | 587,000 | 792,000 | 959,000 |
| Net income | 640,000 | 1,169,000 | 1,613,000 | 2,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,326,000 | 30,885,000 | 31,359,000 | 31,781,000 |
| Total capital | 31,428,000 | 32,022,000 | 32,510,000 | 32,963,000 |
| Risk-weighted assets | 87,273,000 | 90,121,000 | 91,261,000 | 93,963,000 |