Call reports 2012
UNITED AMERICAN BANK — 2012
What UNITED AMERICAN BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 265,009,000 | 261,230,000 | 260,540,000 | 266,042,000 |
| Total loans | 188,954,000 | 176,499,000 | 172,907,000 | 162,417,000 |
| Allowance for loan losses | 8,593,000 | 8,949,000 | 9,569,000 | 8,743,000 |
| Securities available for sale | 0 | 10,266,000 | 20,828,000 | 20,753,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,655,000 | 243,024,000 | 241,536,000 | 247,376,000 |
| Interest-bearing deposits | 208,612,000 | 201,486,000 | 198,105,000 | 203,080,000 |
| Noninterest-bearing deposits | 38,043,000 | 41,538,000 | 43,431,000 | 44,296,000 |
| Equity capital | 17,311,000 | 17,224,000 | 17,999,000 | 17,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,536,000 | 5,063,000 | 7,484,000 | 9,810,000 |
| Interest expense | 338,000 | 653,000 | 928,000 | 1,187,000 |
| Net interest income | 2,198,000 | 4,410,000 | 6,556,000 | 8,623,000 |
| Noninterest income | 92,000 | 181,000 | 265,000 | 358,000 |
| Noninterest expense | 2,598,000 | 5,204,000 | 7,459,000 | 9,994,000 |
| Provision for loan losses | 1,200,000 | 2,400,000 | 3,600,000 | 4,400,000 |
| Pretax income | -1,508,000 | -3,013,000 | -4,238,000 | -5,413,000 |
| Income tax | 1,000 | -1,416,000 | -1,831,000 | -2,399,000 |
| Net income | -1,509,000 | -1,597,000 | -2,407,000 | -3,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,311,000 | 17,224,000 | 17,969,000 | 16,724,000 |
| Total capital | 19,635,000 | 19,448,000 | 20,161,000 | 18,770,000 |
| Risk-weighted assets | 179,264,000 | 170,774,000 | 167,593,000 | 155,975,000 |
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