Call reports 2011
UNITED SAVINGS BANK — 2011
What UNITED SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 308,859,000 | 310,015,000 | 308,728,000 | 311,010,000 |
| Total loans | 173,120,000 | 171,782,000 | 168,621,000 | 170,239,000 |
| Allowance for loan losses | 869,000 | 899,000 | 899,000 | 899,000 |
| Securities available for sale | 275,000 | 257,000 | 237,000 | 222,000 |
| Securities held to maturity | 35,901,000 | 17,002,000 | 29,145,000 | 57,400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,485,000 | 246,690,000 | 244,917,000 | 248,431,000 |
| Interest-bearing deposits | 219,767,000 | 217,611,000 | 215,618,000 | 219,417,000 |
| Noninterest-bearing deposits | 27,718,000 | 29,079,000 | 29,299,000 | 29,014,000 |
| Equity capital | 46,917,000 | 47,478,000 | 47,979,000 | 48,534,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,750,000 | 5,516,000 | 8,202,000 | 10,810,000 |
| Interest expense | 667,000 | 1,307,000 | 1,948,000 | 2,553,000 |
| Net interest income | 2,083,000 | 4,209,000 | 6,254,000 | 8,257,000 |
| Noninterest income | 175,000 | 350,000 | 538,000 | 793,000 |
| Noninterest expense | 1,386,000 | 2,777,000 | 4,241,000 | 5,634,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 842,000 | 1,722,000 | 2,491,000 | 3,356,000 |
| Income tax | 274,000 | 592,000 | 857,000 | 1,166,000 |
| Net income | 568,000 | 1,130,000 | 1,634,000 | 2,190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,899,000 | 47,461,000 | 47,965,000 | 48,520,000 |
| Total capital | 47,768,000 | 48,360,000 | 48,864,000 | 49,419,000 |
| Risk-weighted assets | 169,367,000 | 163,899,000 | 162,779,000 | 163,739,000 |