Call reports 2008
UNITED SECURITY BANK — 2008
What UNITED SECURITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 140,394,000 | 148,177,000 | 156,908,000 | 153,718,000 |
| Total loans | 121,847,000 | 124,932,000 | 131,622,000 | 119,960,000 |
| Allowance for loan losses | 2,158,000 | 2,330,000 | 2,179,000 | 1,073,000 |
| Securities available for sale | 9,017,000 | 9,714,000 | 10,030,000 | 9,187,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,746,000 | 123,744,000 | 130,873,000 | 137,582,000 |
| Interest-bearing deposits | 107,524,000 | 113,183,000 | 118,454,000 | 128,202,000 |
| Noninterest-bearing deposits | 9,222,000 | 10,561,000 | 12,419,000 | 9,380,000 |
| Equity capital | 9,336,000 | 10,144,000 | 10,269,000 | 9,134,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,495,000 | 4,457,000 | 6,753,000 | 9,056,000 |
| Interest expense | 1,393,000 | 2,796,000 | 4,172,000 | 5,694,000 |
| Net interest income | 1,102,000 | 1,661,000 | 2,581,000 | 3,362,000 |
| Noninterest income | 142,000 | 245,000 | 347,000 | 467,000 |
| Noninterest expense | 789,000 | 1,662,000 | 2,547,000 | 3,957,000 |
| Provision for loan losses | 71,000 | 243,000 | 243,000 | 583,000 |
| Pretax income | 384,000 | 1,000 | 119,000 | -730,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 384,000 | 1,000 | 119,000 | -730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,287,000 | 10,148,000 | 10,266,000 | 9,417,000 |
| Total capital | 10,764,000 | 11,703,000 | 11,915,000 | 10,490,000 |
| Risk-weighted assets | 117,451,000 | 123,643,000 | 130,605,000 | 124,699,000 |