Call reports 2020
UNITED SAVINGS BANK — 2020
What UNITED SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 364,740,000 | 405,477,000 | 413,612,000 | 411,157,000 |
| Total loans | 173,143,000 | 180,528,000 | 180,865,000 | 172,005,000 |
| Allowance for loan losses | 1,318,000 | 1,318,000 | 1,318,000 | 1,318,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 79,487,000 | 68,445,000 | 58,394,000 | 68,341,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,816,000 | 292,210,000 | 301,616,000 | 301,564,000 |
| Interest-bearing deposits | 208,853,000 | 222,245,000 | 226,565,000 | 228,473,000 |
| Noninterest-bearing deposits | 53,963,000 | 69,965,000 | 75,051,000 | 73,091,000 |
| Equity capital | 64,256,000 | 64,778,000 | 65,231,000 | 65,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,776,000 | 5,217,000 | 7,574,000 | 9,816,000 |
| Interest expense | 601,000 | 1,126,000 | 1,617,000 | 2,063,000 |
| Net interest income | 2,175,000 | 4,091,000 | 5,957,000 | 7,753,000 |
| Noninterest income | 224,000 | 538,000 | 822,000 | 1,386,000 |
| Noninterest expense | 1,612,000 | 3,166,000 | 4,727,000 | 6,469,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 737,000 | 1,413,000 | 2,002,000 | 2,620,000 |
| Income tax | 166,000 | 320,000 | 456,000 | 600,000 |
| Net income | 571,000 | 1,093,000 | 1,546,000 | 2,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,199,000 | 62,689,000 | 63,110,000 | 63,552,000 |