Call reports 2005
UNITED BANK OF MICHIGAN — 2005
What UNITED BANK OF MICHIGAN 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 | 400,932,000 | 414,832,000 | 420,496,000 | 420,476,000 |
| Total loans | 352,025,000 | 367,314,000 | 369,419,000 | 370,890,000 |
| Allowance for loan losses | 4,103,000 | 4,223,000 | 4,254,000 | 4,446,000 |
| Securities available for sale | 11,080,000 | 10,785,000 | 10,679,000 | 11,634,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 327,036,000 | 338,090,000 | 348,684,000 | 347,181,000 |
| Interest-bearing deposits | 286,244,000 | 300,752,000 | 309,695,000 | 309,784,000 |
| Noninterest-bearing deposits | 40,792,000 | 37,338,000 | 38,989,000 | 37,397,000 |
| Equity capital | 31,141,000 | 33,851,000 | 34,459,000 | 35,210,000 |
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 | 5,887,000 | 12,097,000 | 18,805,000 | 25,735,000 |
| Interest expense | 2,139,000 | 4,518,000 | 7,080,000 | 9,790,000 |
| Net interest income | 3,748,000 | 7,579,000 | 11,725,000 | 15,945,000 |
| Noninterest income | 888,000 | 1,880,000 | 2,714,000 | 3,598,000 |
| Noninterest expense | 3,292,000 | 6,491,000 | 9,784,000 | 12,889,000 |
| Provision for loan losses | 160,000 | 270,000 | 380,000 | 660,000 |
| Pretax income | 1,184,000 | 2,698,000 | 4,275,000 | 5,994,000 |
| Income tax | 354,000 | 812,000 | 1,302,000 | 1,836,000 |
| Net income | 830,000 | 1,886,000 | 2,973,000 | 4,158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,723,000 | 33,414,000 | 34,086,000 | 34,869,000 |
| Total capital | 34,826,000 | 37,637,000 | 38,340,000 | 39,262,000 |
| Risk-weighted assets | 334,191,000 | 349,206,000 | 348,237,000 | 351,398,000 |
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