Call reports 2013
UNITED SAVINGS BANK — 2013
What UNITED SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 318,095,000 | 320,694,000 | 327,205,000 | 325,412,000 |
| Total loans | 156,134,000 | 150,404,000 | 148,879,000 | 154,378,000 |
| Allowance for loan losses | 898,000 | 1,298,000 | 1,298,000 | 1,298,000 |
| Securities available for sale | 140,000 | 127,000 | 114,000 | 100,000 |
| Securities held to maturity | 35,899,000 | 40,822,000 | 62,244,000 | 52,435,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,033,000 | 247,497,000 | 254,366,000 | 256,119,000 |
| Interest-bearing deposits | 217,941,000 | 214,845,000 | 220,765,000 | 223,312,000 |
| Noninterest-bearing deposits | 31,092,000 | 32,652,000 | 33,601,000 | 32,807,000 |
| Equity capital | 51,100,000 | 51,898,000 | 52,286,000 | 53,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,309,000 | 4,523,000 | 6,671,000 | 8,845,000 |
| Interest expense | 466,000 | 926,000 | 1,385,000 | 1,827,000 |
| Net interest income | 1,843,000 | 3,597,000 | 5,286,000 | 7,018,000 |
| Noninterest income | 236,000 | 863,000 | 641,000 | 2,592,000 |
| Noninterest expense | 1,332,000 | 2,698,000 | 4,036,000 | 6,283,000 |
| Provision for loan losses | 0 | 400,000 | 400,000 | 400,000 |
| Pretax income | 747,000 | 1,362,000 | 1,491,000 | 2,927,000 |
| Income tax | 278,000 | 499,000 | 638,000 | 431,000 |
| Net income | 469,000 | 1,268,000 | 1,658,000 | 2,496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,093,000 | 51,892,000 | 52,281,000 | 53,119,000 |
| Total capital | 51,991,000 | 53,190,000 | 53,579,000 | 54,417,000 |
| Risk-weighted assets | 161,141,000 | 158,367,000 | 160,570,000 | 163,549,000 |