Call reports 2004
UNITED BANK OF MICHIGAN — 2004
What UNITED BANK OF MICHIGAN 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 | 355,754,000 | 361,246,000 | 373,662,000 | 388,291,000 |
| Total loans | 301,459,000 | 314,560,000 | 323,141,000 | 334,635,000 |
| Allowance for loan losses | 3,944,000 | 3,871,000 | 3,950,000 | 3,939,000 |
| Securities available for sale | 13,582,000 | 11,816,000 | 11,275,000 | 11,189,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,482,000 | 295,023,000 | 298,481,000 | 314,024,000 |
| Interest-bearing deposits | 252,843,000 | 257,828,000 | 262,333,000 | 276,509,000 |
| Noninterest-bearing deposits | 36,639,000 | 37,195,000 | 36,149,000 | 37,515,000 |
| Equity capital | 30,041,000 | 30,009,000 | 30,624,000 | 30,870,000 |
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 | 5,405,000 | 10,779,000 | 16,267,000 | 21,983,000 |
| Interest expense | 1,768,000 | 3,572,000 | 5,491,000 | 7,512,000 |
| Net interest income | 3,637,000 | 7,207,000 | 10,776,000 | 14,471,000 |
| Noninterest income | 801,000 | 1,584,000 | 2,635,000 | 3,415,000 |
| Noninterest expense | 2,928,000 | 5,923,000 | 8,853,000 | 11,786,000 |
| Provision for loan losses | 300,000 | 300,000 | 450,000 | 750,000 |
| Pretax income | 1,211,000 | 2,574,000 | 4,127,000 | 5,369,000 |
| Income tax | 357,000 | 762,000 | 1,218,000 | 1,578,000 |
| Net income | 854,000 | 1,812,000 | 2,909,000 | 3,791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,612,000 | 29,127,000 | 29,836,000 | 30,315,000 |
| Total capital | 32,199,000 | 32,859,000 | 33,725,000 | 34,254,000 |
| Risk-weighted assets | 286,594,000 | 298,382,000 | 311,047,000 | 320,961,000 |
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