Call reports 2007
UNITED SAVINGS BANK — 2007
What UNITED SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 254,355,000 | 260,987,000 | 268,083,000 | 265,966,000 |
| Total loans | 127,783,000 | 134,628,000 | 132,569,000 | 132,084,000 |
| Allowance for loan losses | 706,000 | 706,000 | 706,000 | 706,000 |
| Securities available for sale | 786,000 | 747,000 | 708,000 | 671,000 |
| Securities held to maturity | 91,004,000 | 87,302,000 | 94,208,000 | 92,470,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,234,000 | 203,995,000 | 213,823,000 | 213,234,000 |
| Interest-bearing deposits | 177,322,000 | 179,237,000 | 186,900,000 | 188,346,000 |
| Noninterest-bearing deposits | 24,912,000 | 24,758,000 | 26,923,000 | 24,888,000 |
| Equity capital | 38,144,000 | 38,594,000 | 39,047,000 | 39,594,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,319,000 | 6,794,000 | 10,396,000 | 14,029,000 |
| Interest expense | 1,687,000 | 3,436,000 | 5,294,000 | 7,138,000 |
| Net interest income | 1,632,000 | 3,358,000 | 5,102,000 | 6,891,000 |
| Noninterest income | 225,000 | 455,000 | 659,000 | 871,000 |
| Noninterest expense | 1,275,000 | 2,570,000 | 3,871,000 | 5,083,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 582,000 | 1,243,000 | 1,890,000 | 2,679,000 |
| Income tax | 181,000 | 386,000 | 587,000 | 831,000 |
| Net income | 401,000 | 857,000 | 1,303,000 | 1,848,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,130,000 | 38,586,000 | 39,036,000 | 39,577,000 |
| Total capital | 38,836,000 | 39,292,000 | 39,742,000 | 40,283,000 |
| Risk-weighted assets | 125,344,000 | 130,594,000 | 133,793,000 | 134,659,000 |