Call reports 2006
UNITED AMERICAN BANK — 2006
What UNITED AMERICAN BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 148,576,000 | 169,044,000 | 183,312,000 | 210,940,000 |
| Total loans | 109,703,000 | 139,183,000 | 146,911,000 | 165,123,000 |
| Allowance for loan losses | 1,375,000 | 1,575,000 | 1,775,000 | 1,950,000 |
| Securities available for sale | 11,798,000 | 11,248,000 | 11,848,000 | 11,371,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,375,000 | 147,312,000 | 155,189,000 | 181,707,000 |
| Interest-bearing deposits | 114,515,000 | 131,777,000 | 141,515,000 | 159,487,000 |
| Noninterest-bearing deposits | 12,860,000 | 15,535,000 | 13,674,000 | 22,220,000 |
| Equity capital | 19,796,000 | 20,341,000 | 21,164,000 | 21,891,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,705,000 | 5,977,000 | 9,838,000 | 14,023,000 |
| Interest expense | 883,000 | 1,984,000 | 3,454,000 | 5,153,000 |
| Net interest income | 1,822,000 | 3,993,000 | 6,384,000 | 8,870,000 |
| Noninterest income | 33,000 | 112,000 | 265,000 | 284,000 |
| Noninterest expense | 1,407,000 | 2,963,000 | 4,644,000 | 6,435,000 |
| Provision for loan losses | 100,000 | 300,000 | 500,000 | 675,000 |
| Pretax income | 348,000 | 842,000 | 1,505,000 | 2,044,000 |
| Income tax | -14,000 | -28,000 | -44,000 | -143,000 |
| Net income | 362,000 | 870,000 | 1,549,000 | 2,187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,901,000 | 20,461,000 | 21,191,000 | 21,891,000 |
| Total capital | 21,276,000 | 22,036,000 | 22,966,000 | 23,841,000 |
| Risk-weighted assets | 126,534,000 | 160,268,000 | 167,570,000 | 185,885,000 |
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