Call reports 2003
UNITED AMERICAN BANK — 2003
What UNITED AMERICAN BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|
| Total assets | 19,420,000 | 27,757,000 | 44,782,000 |
| Total loans | 48,000 | 10,865,000 | 24,289,000 |
| Allowance for loan losses | 30,000 | 145,000 | 300,000 |
| Securities available for sale | 0 | 513,000 | 1,552,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 3,619,000 | 14,556,000 | 32,161,000 |
| Interest-bearing deposits | 2,559,000 | 12,926,000 | 30,457,000 |
| Noninterest-bearing deposits | 1,060,000 | 1,630,000 | 1,704,000 |
| Equity capital | 13,764,000 | 13,047,000 | 12,505,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|
| Interest income | 43,000 | 183,000 | 514,000 |
| Interest expense | 5,000 | 34,000 | 108,000 |
| Net interest income | 38,000 | 149,000 | 406,000 |
| Noninterest income | 0 | 2,000 | 8,000 |
| Noninterest expense | 1,171,000 | 1,889,000 | 2,541,000 |
| Provision for loan losses | 30,000 | 145,000 | 300,000 |
| Pretax income | -1,163,000 | -1,883,000 | -2,427,000 |
| Income tax | 1,000 | 1,000 | 1,000 |
| Net income | -1,164,000 | -1,884,000 | -2,428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|
| Tier 1 capital | 13,764,000 | 13,044,000 | 12,500,000 |
| Total capital | 13,794,000 | 13,189,000 | 12,800,000 |
| Risk-weighted assets | 4,773,000 | 13,947,000 | 29,793,000 |
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