Call reports 2004
UNITED AMERICAN BANK — 2004
What UNITED AMERICAN 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 | 54,371,000 | 65,229,000 | 76,660,000 | 90,353,000 |
| Total loans | 33,424,000 | 46,252,000 | 54,522,000 | 63,285,000 |
| Allowance for loan losses | 420,000 | 585,000 | 675,000 | 800,000 |
| Securities available for sale | 2,557,000 | 4,021,000 | 4,045,000 | 5,530,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,167,000 | 53,226,000 | 63,875,000 | 78,501,000 |
| Interest-bearing deposits | 39,702,000 | 49,503,000 | 58,249,000 | 72,918,000 |
| Noninterest-bearing deposits | 2,465,000 | 3,723,000 | 5,626,000 | 5,583,000 |
| Equity capital | 12,097,000 | 11,803,000 | 11,615,000 | 11,561,000 |
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 | 500,000 | 1,191,000 | 2,077,000 | 3,197,000 |
| Interest expense | 112,000 | 264,000 | 465,000 | 705,000 |
| Net interest income | 388,000 | 927,000 | 1,612,000 | 2,492,000 |
| Noninterest income | 23,000 | 201,000 | 243,000 | 332,000 |
| Noninterest expense | 702,000 | 1,514,000 | 2,358,000 | 3,241,000 |
| Provision for loan losses | 120,000 | 285,000 | 375,000 | 500,000 |
| Pretax income | -411,000 | -671,000 | -878,000 | -917,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -412,000 | -672,000 | -879,000 | -918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,088,000 | 11,828,000 | 11,621,000 | 11,582,000 |
| Total capital | 12,508,000 | 12,413,000 | 12,296,000 | 12,382,000 |
| Risk-weighted assets | 39,515,000 | 51,644,000 | 60,780,000 | 69,788,000 |
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