Call reports 2004
UNITED SECURITY BANK — 2004
What UNITED SECURITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 56,179,000 | 60,985,000 | 64,326,000 | 67,110,000 |
| Total loans | 43,223,000 | 51,115,000 | 52,859,000 | 54,229,000 |
| Allowance for loan losses | 367,000 | 459,000 | 513,000 | 553,000 |
| Securities available for sale | 6,381,000 | 6,850,000 | 7,673,000 | 7,742,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,920,000 | 54,113,000 | 56,899,000 | 59,357,000 |
| Interest-bearing deposits | 45,692,000 | 48,978,000 | 52,034,000 | 54,426,000 |
| Noninterest-bearing deposits | 6,229,000 | 5,135,000 | 4,865,000 | 4,931,000 |
| Equity capital | 4,174,000 | 4,182,000 | 4,794,000 | 5,077,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 817,000 | 1,787,000 | 2,885,000 | 3,996,000 |
| Interest expense | 253,000 | 530,000 | 856,000 | 1,192,000 |
| Net interest income | 564,000 | 1,257,000 | 2,029,000 | 2,804,000 |
| Noninterest income | 76,000 | 174,000 | 265,000 | 360,000 |
| Noninterest expense | 349,000 | 736,000 | 1,130,000 | 1,622,000 |
| Provision for loan losses | 45,000 | 145,000 | 205,000 | 242,000 |
| Pretax income | 246,000 | 550,000 | 959,000 | 1,300,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 246,000 | 550,000 | 959,000 | 1,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,055,000 | 4,328,000 | 4,737,000 | 5,078,000 |
| Total capital | 4,422,000 | 4,787,000 | 5,250,000 | 5,631,000 |
| Risk-weighted assets | 40,436,000 | 47,093,000 | 49,113,000 | 52,247,000 |