Call reports 2012
UNITED SAVINGS BANK — 2012
What UNITED SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 317,056,000 | 318,157,000 | 314,297,000 | 314,348,000 |
| Total loans | 166,942,000 | 166,964,000 | 163,885,000 | 159,898,000 |
| Allowance for loan losses | 899,000 | 898,000 | 898,000 | 898,000 |
| Securities available for sale | 206,000 | 184,000 | 169,000 | 155,000 |
| Securities held to maturity | 63,608,000 | 43,808,000 | 47,159,000 | 35,495,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,631,000 | 247,471,000 | 243,467,000 | 248,571,000 |
| Interest-bearing deposits | 223,244,000 | 217,810,000 | 213,545,000 | 217,547,000 |
| Noninterest-bearing deposits | 28,387,000 | 29,661,000 | 29,922,000 | 31,024,000 |
| Equity capital | 49,089,000 | 49,587,000 | 50,104,000 | 50,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,649,000 | 5,191,000 | 7,682,000 | 10,070,000 |
| Interest expense | 587,000 | 1,151,000 | 1,687,000 | 2,185,000 |
| Net interest income | 2,062,000 | 4,040,000 | 5,995,000 | 7,885,000 |
| Noninterest income | 266,000 | 484,000 | 745,000 | 1,042,000 |
| Noninterest expense | 1,460,000 | 2,858,000 | 4,234,000 | 5,600,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 868,000 | 1,666,000 | 2,506,000 | 3,327,000 |
| Income tax | 312,000 | 610,000 | 932,000 | 1,224,000 |
| Net income | 556,000 | 1,056,000 | 1,574,000 | 2,103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,076,000 | 49,577,000 | 50,095,000 | 50,623,000 |
| Total capital | 49,975,000 | 50,475,000 | 50,993,000 | 51,521,000 |
| Risk-weighted assets | 164,835,000 | 165,124,000 | 162,539,000 | 161,568,000 |