Call reports 2009
UNITED SAVINGS BANK — 2009
What UNITED SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 287,868,000 | 300,836,000 | 301,812,000 | 301,133,000 |
| Total loans | 145,055,000 | 148,879,000 | 153,500,000 | 155,412,000 |
| Allowance for loan losses | 732,000 | 732,000 | 727,000 | 742,000 |
| Securities available for sale | 510,000 | 471,000 | 425,000 | 402,000 |
| Securities held to maturity | 91,266,000 | 99,054,000 | 103,252,000 | 91,839,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,151,000 | 240,981,000 | 242,941,000 | 244,868,000 |
| Interest-bearing deposits | 204,693,000 | 214,727,000 | 216,240,000 | 217,821,000 |
| Noninterest-bearing deposits | 25,458,000 | 26,254,000 | 26,701,000 | 27,047,000 |
| Equity capital | 42,272,000 | 42,780,000 | 43,341,000 | 43,918,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,286,000 | 6,505,000 | 9,585,000 | 12,601,000 |
| Interest expense | 1,223,000 | 2,423,000 | 3,527,000 | 4,492,000 |
| Net interest income | 2,063,000 | 4,082,000 | 6,058,000 | 8,109,000 |
| Noninterest income | 242,000 | 531,000 | 767,000 | 977,000 |
| Noninterest expense | 1,358,000 | 2,901,000 | 4,269,000 | 5,635,000 |
| Provision for loan losses | 6,000 | 6,000 | 6,000 | 21,000 |
| Pretax income | 941,000 | 1,706,000 | 2,550,000 | 3,430,000 |
| Income tax | 321,000 | 579,000 | 862,000 | 1,164,000 |
| Net income | 620,000 | 1,127,000 | 1,688,000 | 2,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,251,000 | 42,758,000 | 43,318,000 | 43,897,000 |
| Total capital | 42,983,000 | 43,490,000 | 44,045,000 | 44,639,000 |
| Risk-weighted assets | 147,840,000 | 153,052,000 | 155,712,000 | 156,498,000 |