Call reports 2006
UNITED SAVINGS BANK — 2006
What UNITED SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 236,559,000 | 236,867,000 | 238,341,000 | 250,078,000 |
| Total loans | 120,729,000 | 124,755,000 | 128,197,000 | 128,198,000 |
| Allowance for loan losses | 678,000 | 706,000 | 706,000 | 706,000 |
| Securities available for sale | 844,000 | 775,000 | 738,000 | 817,000 |
| Securities held to maturity | 88,455,000 | 83,329,000 | 83,248,000 | 79,032,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,468,000 | 186,090,000 | 187,248,000 | 200,853,000 |
| Interest-bearing deposits | 164,157,000 | 164,501,000 | 163,902,000 | 176,571,000 |
| Noninterest-bearing deposits | 23,311,000 | 21,589,000 | 23,346,000 | 24,282,000 |
| Equity capital | 36,157,000 | 36,886,000 | 37,303,000 | 37,741,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,718,000 | 5,565,000 | 8,576,000 | 11,693,000 |
| Interest expense | 1,177,000 | 2,462,000 | 3,899,000 | 5,418,000 |
| Net interest income | 1,541,000 | 3,103,000 | 4,677,000 | 6,275,000 |
| Noninterest income | 192,000 | 370,000 | 575,000 | 839,000 |
| Noninterest expense | 1,132,000 | 2,015,000 | 3,199,000 | 4,433,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 601,000 | 1,458,000 | 2,053,000 | 2,681,000 |
| Income tax | 179,000 | 454,000 | 637,000 | 827,000 |
| Net income | 422,000 | 1,004,000 | 1,416,000 | 1,854,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,145,000 | 36,879,000 | 37,291,000 | 37,729,000 |
| Total capital | 36,823,000 | 37,585,000 | 37,997,000 | 38,435,000 |
| Risk-weighted assets | 111,344,000 | 116,097,000 | 120,919,000 | 123,076,000 |