Call reports 2005
UNITED SAVINGS BANK — 2005
What UNITED SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 223,745,000 | 231,370,000 | 235,559,000 | 229,739,000 |
| Total loans | 115,588,000 | 117,828,000 | 118,165,000 | 119,049,000 |
| Allowance for loan losses | 1,867,000 | 1,867,000 | 1,867,000 | 678,000 |
| Securities available for sale | 1,115,000 | 1,079,000 | 976,000 | 906,000 |
| Securities held to maturity | 84,066,000 | 88,873,000 | 83,734,000 | 85,562,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,699,000 | 185,905,000 | 187,605,000 | 183,354,000 |
| Interest-bearing deposits | 159,425,000 | 163,457,000 | 164,344,000 | 161,864,000 |
| Noninterest-bearing deposits | 21,274,000 | 22,448,000 | 23,261,000 | 21,490,000 |
| Equity capital | 34,255,000 | 34,598,000 | 34,752,000 | 35,740,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,269,000 | 4,657,000 | 7,152,000 | 9,732,000 |
| Interest expense | 827,000 | 1,765,000 | 2,863,000 | 3,987,000 |
| Net interest income | 1,442,000 | 2,892,000 | 4,289,000 | 5,745,000 |
| Noninterest income | 209,000 | 409,000 | 680,000 | 894,000 |
| Noninterest expense | 1,113,000 | 2,254,000 | 3,683,000 | 4,698,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 538,000 | 1,047,000 | 1,286,000 | 1,941,000 |
| Income tax | 178,000 | 344,000 | 423,000 | 627,000 |
| Net income | 360,000 | 703,000 | 863,000 | 1,314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,666,000 | 34,010,000 | 34,170,000 | 35,723,000 |
| Total capital | 34,941,000 | 35,322,000 | 35,516,000 | 36,401,000 |
| Risk-weighted assets | 101,413,000 | 104,413,000 | 107,150,000 | 106,571,000 |