Call reports 2016
UNITED SAVINGS BANK — 2016
What UNITED SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 347,664,000 | 341,984,000 | 339,851,000 | 338,667,000 |
| Total loans | 146,295,000 | 148,352,000 | 150,246,000 | 147,331,000 |
| Allowance for loan losses | 1,268,000 | 1,268,000 | 1,268,000 | 1,268,000 |
| Securities available for sale | 7,000 | 6,000 | 5,000 | 4,000 |
| Securities held to maturity | 68,630,000 | 81,197,000 | 92,711,000 | 94,248,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,787,000 | 253,733,000 | 250,062,000 | 254,929,000 |
| Interest-bearing deposits | 226,506,000 | 207,868,000 | 205,483,000 | 208,632,000 |
| Noninterest-bearing deposits | 41,281,000 | 45,865,000 | 44,579,000 | 46,297,000 |
| Equity capital | 56,524,000 | 56,905,000 | 57,314,000 | 57,734,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,037,000 | 4,108,000 | 6,185,000 | 8,271,000 |
| Interest expense | 373,000 | 745,000 | 1,092,000 | 1,434,000 |
| Net interest income | 1,664,000 | 3,363,000 | 5,093,000 | 6,837,000 |
| Noninterest income | 237,000 | 504,000 | 764,000 | 1,074,000 |
| Noninterest expense | 1,414,000 | 2,826,000 | 4,229,000 | 5,722,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 487,000 | 1,041,000 | 1,628,000 | 2,189,000 |
| Income tax | 152,000 | 324,000 | 503,000 | 643,000 |
| Net income | 335,000 | 717,000 | 1,125,000 | 1,546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,326,000 | 53,474,000 | 54,145,000 | 54,051,000 |
| Total capital | 54,594,000 | 54,742,000 | 55,413,000 | 55,319,000 |
| Risk-weighted assets | 141,657,000 | 148,437,000 | 151,263,000 | 151,234,000 |