Call reports 2004
UNITI BANK — 2004
What UNITI 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 | 80,321,000 | 102,742,000 | 118,586,000 | 137,686,000 |
| Total loans | 60,514,000 | 74,335,000 | 78,288,000 | 89,054,000 |
| Allowance for loan losses | 610,000 | 760,000 | 861,000 | 1,015,000 |
| Securities available for sale | 5,528,000 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 7,009,000 | 7,008,000 | 19,930,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,187,000 | 87,047,000 | 102,036,000 | 120,795,000 |
| Interest-bearing deposits | 48,205,000 | 61,055,000 | 77,783,000 | 92,027,000 |
| Noninterest-bearing deposits | 16,982,000 | 25,992,000 | 24,253,000 | 28,767,000 |
| Equity capital | 14,851,000 | 15,320,000 | 15,743,000 | 16,007,000 |
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 | 913,000 | 2,062,000 | 3,547,000 | 5,333,000 |
| Interest expense | 223,000 | 500,000 | 937,000 | 1,491,000 |
| Net interest income | 690,000 | 1,562,000 | 2,610,000 | 3,842,000 |
| Noninterest income | 294,000 | 985,000 | 1,646,000 | 2,363,000 |
| Noninterest expense | 727,000 | 1,653,000 | 2,730,000 | 4,031,000 |
| Provision for loan losses | 90,000 | 240,000 | 350,000 | 550,000 |
| Pretax income | 167,000 | 654,000 | 1,176,000 | 1,624,000 |
| Income tax | 0 | 1,000 | 101,000 | 285,000 |
| Net income | 167,000 | 653,000 | 1,075,000 | 1,339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,814,000 | 15,290,000 | 15,709,000 | 15,968,000 |
| Total capital | 15,424,000 | 16,050,000 | 16,570,000 | 16,983,000 |
| Risk-weighted assets | 60,924,000 | 75,637,000 | 84,579,000 | 94,958,000 |