Call reports 2004
UNITED COMMERCE BANK — 2004
What UNITED COMMERCE 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 | 100,966,000 | 108,428,000 | 114,791,000 | 123,016,000 |
| Total loans | 87,641,000 | 90,866,000 | 98,823,000 | 106,484,000 |
| Allowance for loan losses | 942,000 | 963,000 | 990,000 | 1,014,000 |
| Securities available for sale | 4,408,000 | 7,877,000 | 8,929,000 | 8,967,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,908,000 | 98,539,000 | 104,703,000 | 112,538,000 |
| Interest-bearing deposits | 82,152,000 | 89,809,000 | 96,517,000 | 99,747,000 |
| Noninterest-bearing deposits | 8,756,000 | 8,730,000 | 8,186,000 | 12,791,000 |
| Equity capital | 9,155,000 | 9,206,000 | 9,422,000 | 9,552,000 |
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 | 1,282,000 | 2,574,000 | 3,960,000 | 5,504,000 |
| Interest expense | 352,000 | 719,000 | 1,151,000 | 1,665,000 |
| Net interest income | 930,000 | 1,855,000 | 2,809,000 | 3,839,000 |
| Noninterest income | 135,000 | 320,000 | 486,000 | 642,000 |
| Noninterest expense | 827,000 | 1,659,000 | 2,519,000 | 3,387,000 |
| Provision for loan losses | 71,000 | 143,000 | 214,000 | 285,000 |
| Pretax income | 218,000 | 424,000 | 613,000 | 860,000 |
| Income tax | 79,000 | 156,000 | 221,000 | 306,000 |
| Net income | 139,000 | 268,000 | 392,000 | 554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,135,000 | 9,267,000 | 9,391,000 | 9,553,000 |
| Total capital | 10,059,000 | 10,230,000 | 10,381,000 | 10,567,000 |
| Risk-weighted assets | 73,902,000 | 77,913,000 | 82,602,000 | 90,900,000 |
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