Call reports 2004
UNITED SAVINGS BANK — 2004
What UNITED SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 214,136,000 | 218,511,000 | 219,292,000 | 218,108,000 |
| Total loans | 112,428,000 | 115,164,000 | 113,461,000 | 111,769,000 |
| Allowance for loan losses | 1,801,000 | 1,801,000 | 1,884,000 | 1,884,000 |
| Securities available for sale | 1,483,000 | 1,372,000 | 1,242,000 | 1,178,000 |
| Securities held to maturity | 58,287,000 | 76,816,000 | 79,460,000 | 84,235,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,658,000 | 177,397,000 | 176,411,000 | 176,778,000 |
| Interest-bearing deposits | 155,679,000 | 157,598,000 | 156,089,000 | 155,282,000 |
| Noninterest-bearing deposits | 18,979,000 | 19,799,000 | 20,322,000 | 21,496,000 |
| Equity capital | 32,771,000 | 33,167,000 | 33,555,000 | 33,906,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,222,000 | 4,443,000 | 6,675,000 | 8,919,000 |
| Interest expense | 759,000 | 1,512,000 | 2,280,000 | 3,064,000 |
| Net interest income | 1,463,000 | 2,931,000 | 4,395,000 | 5,855,000 |
| Noninterest income | 190,000 | 422,000 | 612,000 | 818,000 |
| Noninterest expense | 1,116,000 | 2,212,000 | 3,307,000 | 4,441,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 537,000 | 1,141,000 | 1,700,000 | 2,232,000 |
| Income tax | 160,000 | 358,000 | 529,000 | 707,000 |
| Net income | 377,000 | 783,000 | 1,171,000 | 1,525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,158,000 | 32,565,000 | 32,952,000 | 33,306,000 |
| Total capital | 33,351,000 | 33,800,000 | 34,188,000 | 34,540,000 |
| Risk-weighted assets | 94,833,000 | 98,243,000 | 98,276,000 | 98,097,000 |