Call reports 2005
UNITED COMMERCE BANK — 2005
What UNITED COMMERCE BANK 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 | 126,805,000 | 137,833,000 | 141,619,000 | 138,887,000 |
| Total loans | 106,913,000 | 115,716,000 | 118,713,000 | 119,015,000 |
| Allowance for loan losses | 1,095,000 | 1,152,000 | 1,204,000 | 1,266,000 |
| Securities available for sale | 11,332,000 | 11,630,000 | 11,526,000 | 10,435,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,283,000 | 127,048,000 | 130,591,000 | 127,281,000 |
| Interest-bearing deposits | 104,144,000 | 111,459,000 | 119,029,000 | 116,771,000 |
| Noninterest-bearing deposits | 12,139,000 | 15,589,000 | 11,562,000 | 10,510,000 |
| Equity capital | 9,653,000 | 9,921,000 | 10,148,000 | 10,282,000 |
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 | 1,610,000 | 3,410,000 | 5,376,000 | 7,492,000 |
| Interest expense | 617,000 | 1,344,000 | 2,186,000 | 3,180,000 |
| Net interest income | 993,000 | 2,066,000 | 3,190,000 | 4,312,000 |
| Noninterest income | 180,000 | 405,000 | 637,000 | 818,000 |
| Noninterest expense | 853,000 | 1,756,000 | 2,671,000 | 3,576,000 |
| Provision for loan losses | 83,000 | 165,000 | 248,000 | 331,000 |
| Pretax income | 237,000 | 552,000 | 910,000 | 1,225,000 |
| Income tax | 76,000 | 178,000 | 301,000 | 405,000 |
| Net income | 161,000 | 374,000 | 609,000 | 820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,714,000 | 9,927,000 | 10,163,000 | 10,373,000 |
| Total capital | 10,809,000 | 11,079,000 | 11,367,000 | 11,639,000 |
| Risk-weighted assets | 95,246,000 | 102,397,000 | 107,251,000 | 108,277,000 |
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