Call reports 2005
UNITI BANK — 2005
What UNITI 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 | 145,948,000 | 167,935,000 | 191,782,000 | 205,258,000 |
| Total loans | 101,612,000 | 121,241,000 | 133,391,000 | 153,856,000 |
| Allowance for loan losses | 1,215,000 | 1,470,000 | 1,639,000 | 1,879,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 19,936,000 | 19,941,000 | 19,947,000 | 24,690,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,429,000 | 149,700,000 | 172,624,000 | 184,847,000 |
| Interest-bearing deposits | 97,626,000 | 117,755,000 | 138,379,000 | 145,808,000 |
| Noninterest-bearing deposits | 30,803,000 | 31,945,000 | 34,245,000 | 39,039,000 |
| Equity capital | 16,434,000 | 17,103,000 | 17,711,000 | 18,028,000 |
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 | 2,015,000 | 4,544,000 | 7,533,000 | 11,122,000 |
| Interest expense | 638,000 | 1,436,000 | 2,618,000 | 4,095,000 |
| Net interest income | 1,377,000 | 3,108,000 | 4,915,000 | 7,027,000 |
| Noninterest income | 771,000 | 1,776,000 | 2,964,000 | 3,819,000 |
| Noninterest expense | 1,224,000 | 2,777,000 | 4,307,000 | 6,294,000 |
| Provision for loan losses | 200,000 | 530,000 | 775,000 | 1,035,000 |
| Pretax income | 724,000 | 1,577,000 | 2,797,000 | 3,517,000 |
| Income tax | 297,000 | 663,000 | 1,175,000 | 1,477,000 |
| Net income | 427,000 | 914,000 | 1,622,000 | 2,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,387,000 | 17,047,000 | 17,641,000 | 17,954,000 |
| Total capital | 17,602,000 | 18,517,000 | 19,280,000 | 19,833,000 |
| Risk-weighted assets | 107,191,000 | 123,837,000 | 140,050,000 | 155,998,000 |