Call reports 2005
UNITED SECURITY BANK — 2005
What UNITED SECURITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 80,632,000 | 96,505,000 | 108,448,000 | 113,957,000 |
| Total loans | 68,133,000 | 82,089,000 | 90,396,000 | 94,597,000 |
| Allowance for loan losses | 647,000 | 729,000 | 821,000 | 938,000 |
| Securities available for sale | 9,133,000 | 8,857,000 | 8,649,000 | 8,528,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,436,000 | 87,182,000 | 97,487,000 | 101,911,000 |
| Interest-bearing deposits | 64,290,000 | 78,664,000 | 88,812,000 | 93,155,000 |
| Noninterest-bearing deposits | 7,147,000 | 8,518,000 | 8,674,000 | 8,756,000 |
| Equity capital | 5,980,000 | 6,550,000 | 7,147,000 | 7,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,337,000 | 3,071,000 | 4,923,000 | 7,048,000 |
| Interest expense | 418,000 | 987,000 | 1,700,000 | 2,565,000 |
| Net interest income | 919,000 | 2,084,000 | 3,223,000 | 4,483,000 |
| Noninterest income | 99,000 | 214,000 | 335,000 | 460,000 |
| Noninterest expense | 419,000 | 958,000 | 1,517,000 | 2,191,000 |
| Provision for loan losses | 96,000 | 192,000 | 288,000 | 488,000 |
| Pretax income | 503,000 | 1,148,000 | 1,753,000 | 2,264,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 4,000 |
| Net income | 499,000 | 1,144,000 | 1,749,000 | 2,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,927,000 | 6,573,000 | 7,177,000 | 7,688,000 |
| Total capital | 6,574,000 | 7,302,000 | 7,998,000 | 8,626,000 |
| Risk-weighted assets | 63,857,000 | 72,197,000 | 79,075,000 | 84,692,000 |