Call reports 2014
UNITED SAVINGS BANK — 2014
What UNITED SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 329,689,000 | 323,986,000 | 319,735,000 | 336,367,000 |
| Total loans | 150,699,000 | 150,169,000 | 147,977,000 | 149,368,000 |
| Allowance for loan losses | 1,298,000 | 1,298,000 | 1,268,000 | 1,268,000 |
| Securities available for sale | 86,000 | 74,000 | 64,000 | 55,000 |
| Securities held to maturity | 61,147,000 | 53,837,000 | 55,586,000 | 56,949,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,310,000 | 248,423,000 | 245,013,000 | 266,519,000 |
| Interest-bearing deposits | 221,937,000 | 212,356,000 | 206,896,000 | 231,096,000 |
| Noninterest-bearing deposits | 35,373,000 | 36,067,000 | 38,117,000 | 35,423,000 |
| Equity capital | 53,503,000 | 53,882,000 | 54,260,000 | 54,640,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,059,000 | 4,100,000 | 6,101,000 | 8,127,000 |
| Interest expense | 429,000 | 837,000 | 1,257,000 | 1,668,000 |
| Net interest income | 1,630,000 | 3,263,000 | 4,844,000 | 6,459,000 |
| Noninterest income | 223,000 | 456,000 | 674,000 | 931,000 |
| Noninterest expense | 1,285,000 | 2,588,000 | 3,865,000 | 5,170,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 568,000 | 1,131,000 | 1,653,000 | 2,220,000 |
| Income tax | 188,000 | 371,000 | 514,000 | 701,000 |
| Net income | 380,000 | 760,000 | 1,139,000 | 1,519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,061,000 | 53,333,000 | 53,275,000 | 54,166,000 |
| Total capital | 54,359,000 | 54,631,000 | 54,543,000 | 55,434,000 |
| Risk-weighted assets | 145,326,000 | 141,919,000 | 144,342,000 | 144,671,000 |