Call reports 2008
UNITED SAVINGS BANK — 2008
What UNITED SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 277,148,000 | 280,741,000 | 279,841,000 | 278,874,000 |
| Total loans | 141,000,000 | 138,731,000 | 142,173,000 | 143,350,000 |
| Allowance for loan losses | 706,000 | 721,000 | 721,000 | 730,000 |
| Securities available for sale | 651,000 | 583,000 | 556,000 | 532,000 |
| Securities held to maturity | 96,971,000 | 105,533,000 | 97,591,000 | 96,587,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,087,000 | 225,703,000 | 222,948,000 | 224,326,000 |
| Interest-bearing deposits | 196,036,000 | 201,374,000 | 199,205,000 | 198,801,000 |
| Noninterest-bearing deposits | 25,051,000 | 24,329,000 | 23,743,000 | 25,525,000 |
| Equity capital | 40,108,000 | 40,728,000 | 41,364,000 | 41,648,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,557,000 | 7,097,000 | 10,609,000 | 14,032,000 |
| Interest expense | 1,731,000 | 3,240,000 | 4,650,000 | 5,983,000 |
| Net interest income | 1,826,000 | 3,857,000 | 5,959,000 | 8,049,000 |
| Noninterest income | 204,000 | 415,000 | 612,000 | 818,000 |
| Noninterest expense | 1,299,000 | 2,638,000 | 3,995,000 | 5,444,000 |
| Provision for loan losses | 0 | 0 | 0 | 24,000 |
| Pretax income | 731,000 | 1,634,000 | 2,576,000 | 3,399,000 |
| Income tax | 220,000 | 499,000 | 802,000 | 1,078,000 |
| Net income | 511,000 | 1,135,000 | 1,774,000 | 2,321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,088,000 | 40,712,000 | 41,351,000 | 41,630,000 |
| Total capital | 40,794,000 | 41,433,000 | 42,072,000 | 42,360,000 |
| Risk-weighted assets | 143,599,000 | 143,269,000 | 145,431,000 | 144,621,000 |