Call reports 2015
UNITED SAVINGS BANK — 2015
What UNITED SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 335,474,000 | 341,066,000 | 340,981,000 | 341,029,000 |
| Total loans | 149,243,000 | 150,905,000 | 147,781,000 | 145,327,000 |
| Allowance for loan losses | 1,268,000 | 1,268,000 | 1,268,000 | 1,268,000 |
| Securities available for sale | 41,000 | 32,000 | 21,000 | 12,000 |
| Securities held to maturity | 59,085,000 | 49,851,000 | 44,101,000 | 37,113,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,516,000 | 263,588,000 | 262,087,000 | 266,252,000 |
| Interest-bearing deposits | 225,723,000 | 222,853,000 | 223,413,000 | 224,933,000 |
| Noninterest-bearing deposits | 37,793,000 | 40,735,000 | 38,674,000 | 41,319,000 |
| Equity capital | 55,005,000 | 55,416,000 | 55,836,000 | 56,189,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,030,000 | 4,064,000 | 6,076,000 | 8,023,000 |
| Interest expense | 398,000 | 783,000 | 1,161,000 | 1,534,000 |
| Net interest income | 1,632,000 | 3,281,000 | 4,915,000 | 6,489,000 |
| Noninterest income | 214,000 | 488,000 | 753,000 | 987,000 |
| Noninterest expense | 1,312,000 | 2,628,000 | 3,902,000 | 5,224,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 534,000 | 1,141,000 | 1,766,000 | 2,252,000 |
| Income tax | 169,000 | 364,000 | 569,000 | 702,000 |
| Net income | 365,000 | 777,000 | 1,197,000 | 1,550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,352,000 | 52,555,000 | 52,639,000 | 53,081,000 |
| Total capital | 53,620,000 | 53,823,000 | 53,907,000 | 54,349,000 |
| Risk-weighted assets | 143,120,000 | 142,388,000 | 137,473,000 | 133,851,000 |