Call reports 2010
UNITED SAVINGS BANK — 2010
What UNITED SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 303,001,000 | 307,198,000 | 306,540,000 | 306,369,000 |
| Total loans | 157,968,000 | 158,726,000 | 165,648,000 | 168,906,000 |
| Allowance for loan losses | 772,000 | 802,000 | 831,000 | 862,000 |
| Securities available for sale | 384,000 | 358,000 | 334,000 | 314,000 |
| Securities held to maturity | 88,418,000 | 78,494,000 | 45,519,000 | 36,060,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,605,000 | 245,764,000 | 243,795,000 | 246,318,000 |
| Interest-bearing deposits | 215,733,000 | 217,406,000 | 214,333,000 | 219,229,000 |
| Noninterest-bearing deposits | 27,872,000 | 28,358,000 | 29,462,000 | 27,089,000 |
| Equity capital | 44,490,000 | 45,064,000 | 45,692,000 | 46,351,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,919,000 | 5,839,000 | 8,687,000 | 11,490,000 |
| Interest expense | 843,000 | 1,631,000 | 2,364,000 | 3,058,000 |
| Net interest income | 2,076,000 | 4,208,000 | 6,323,000 | 8,432,000 |
| Noninterest income | 211,000 | 411,000 | 619,000 | 919,000 |
| Noninterest expense | 1,373,000 | 2,784,000 | 4,193,000 | 5,550,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 884,000 | 1,775,000 | 2,659,000 | 3,681,000 |
| Income tax | 313,000 | 630,000 | 884,000 | 1,247,000 |
| Net income | 571,000 | 1,145,000 | 1,775,000 | 2,434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,467,000 | 45,042,000 | 45,672,000 | 46,331,000 |
| Total capital | 45,239,000 | 45,844,000 | 46,504,000 | 47,193,000 |
| Risk-weighted assets | 158,292,000 | 160,309,000 | 163,265,000 | 164,569,000 |