Call reports 2005
UNITED AMERICAN BANK — 2005
What UNITED AMERICAN 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 | 98,070,000 | 110,196,000 | 120,762,000 | 140,425,000 |
| Total loans | 71,188,000 | 85,787,000 | 93,796,000 | 107,409,000 |
| Allowance for loan losses | 900,000 | 1,020,000 | 1,175,000 | 1,275,000 |
| Securities available for sale | 8,383,000 | 8,417,000 | 9,878,000 | 9,336,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,236,000 | 90,835,000 | 101,002,000 | 120,007,000 |
| Interest-bearing deposits | 78,506,000 | 82,841,000 | 90,986,000 | 109,841,000 |
| Noninterest-bearing deposits | 7,730,000 | 7,994,000 | 10,016,000 | 10,166,000 |
| Equity capital | 11,541,000 | 18,908,000 | 19,019,000 | 19,398,000 |
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 | 1,346,000 | 2,998,000 | 5,031,000 | 7,461,000 |
| Interest expense | 291,000 | 789,000 | 1,374,000 | 2,171,000 |
| Net interest income | 1,055,000 | 2,209,000 | 3,657,000 | 5,290,000 |
| Noninterest income | 56,000 | 62,000 | 85,000 | 113,000 |
| Noninterest expense | 1,008,000 | 2,015,000 | 3,177,000 | 4,477,000 |
| Provision for loan losses | 100,000 | 220,000 | 375,000 | 475,000 |
| Pretax income | 3,000 | 36,000 | 190,000 | 451,000 |
| Income tax | 1,000 | 1,000 | 1,000 | -140,000 |
| Net income | 2,000 | 35,000 | 189,000 | 591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,595,000 | 18,932,000 | 19,086,000 | 19,488,000 |
| Total capital | 12,495,000 | 19,952,000 | 20,261,000 | 20,763,000 |
| Risk-weighted assets | 81,717,000 | 96,356,000 | 108,154,000 | 122,658,000 |
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