Call reports 2004
UNITED BANK — 2004
What UNITED 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 | 757,780,000 | 800,735,000 | 845,348,000 | 889,924,000 |
| Total loans | 549,540,000 | 606,065,000 | 656,291,000 | 702,631,000 |
| Allowance for loan losses | 5,115,000 | 5,643,000 | 5,877,000 | 6,371,000 |
| Securities available for sale | 124,913,000 | 135,972,000 | 133,436,000 | 135,681,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 587,472,000 | 631,934,000 | 650,982,000 | 696,488,000 |
| Interest-bearing deposits | 531,000,000 | 566,348,000 | 585,551,000 | 618,516,000 |
| Noninterest-bearing deposits | 56,472,000 | 65,586,000 | 65,431,000 | 77,972,000 |
| Equity capital | 67,214,000 | 65,636,000 | 67,114,000 | 68,527,000 |
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 | 8,910,000 | 18,225,000 | 28,148,000 | 38,814,000 |
| Interest expense | 3,001,000 | 6,020,000 | 9,403,000 | 13,070,000 |
| Net interest income | 5,909,000 | 12,205,000 | 18,745,000 | 25,744,000 |
| Noninterest income | 695,000 | 1,499,000 | 2,373,000 | 3,313,000 |
| Noninterest expense | 4,926,000 | 10,715,000 | 15,947,000 | 21,596,000 |
| Provision for loan losses | 502,000 | 1,027,000 | 1,822,000 | 2,372,000 |
| Pretax income | 1,201,000 | 2,074,000 | 3,440,000 | 4,960,000 |
| Income tax | 375,000 | 727,000 | 1,052,000 | 1,511,000 |
| Net income | 826,000 | 1,347,000 | 2,388,000 | 3,449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,876,000 | 62,398,000 | 63,440,000 | 62,942,000 |
| Total capital | 67,089,000 | 68,146,000 | 69,443,000 | 69,509,000 |
| Risk-weighted assets | 491,296,000 | 522,940,000 | 554,187,000 | 588,088,000 |
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