Call reports 2006
UNITED COMMERCE BANK — 2006
What UNITED COMMERCE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 139,608,000 | 143,744,000 | 145,833,000 | 150,984,000 |
| Total loans | 119,753,000 | 123,453,000 | 126,265,000 | 130,741,000 |
| Allowance for loan losses | 1,325,000 | 1,361,000 | 1,358,000 | 1,332,000 |
| Securities available for sale | 12,032,000 | 11,709,000 | 11,779,000 | 11,436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,478,000 | 125,540,000 | 126,917,000 | 134,399,000 |
| Interest-bearing deposits | 114,892,000 | 112,659,000 | 115,449,000 | 123,067,000 |
| Noninterest-bearing deposits | 10,586,000 | 12,881,000 | 11,468,000 | 11,332,000 |
| Equity capital | 10,476,000 | 10,630,000 | 11,054,000 | 11,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,137,000 | 4,453,000 | 6,933,000 | 9,529,000 |
| Interest expense | 1,050,000 | 2,216,000 | 3,510,000 | 4,892,000 |
| Net interest income | 1,087,000 | 2,237,000 | 3,423,000 | 4,637,000 |
| Noninterest income | 190,000 | 365,000 | 576,000 | 786,000 |
| Noninterest expense | 918,000 | 1,834,000 | 2,730,000 | 3,683,000 |
| Provision for loan losses | 63,000 | 125,000 | 125,000 | 125,000 |
| Pretax income | 296,000 | 643,000 | 1,144,000 | 1,615,000 |
| Income tax | 98,000 | 218,000 | 400,000 | 554,000 |
| Net income | 198,000 | 425,000 | 744,000 | 1,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,571,000 | 10,798,000 | 11,118,000 | 11,434,000 |
| Total capital | 11,896,000 | 12,159,000 | 12,476,000 | 12,766,000 |
| Risk-weighted assets | 109,847,000 | 113,017,000 | 116,005,000 | 120,340,000 |
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