Call reports 2013
UNITED AMERICAN BANK — 2013
What UNITED AMERICAN BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 262,086,000 | 262,886,000 | 267,398,000 | 250,970,000 |
| Total loans | 164,790,000 | 165,279,000 | 163,628,000 | 161,678,000 |
| Allowance for loan losses | 8,738,000 | 8,314,000 | 7,865,000 | 7,609,000 |
| Securities available for sale | 30,234,000 | 30,732,000 | 30,866,000 | 37,145,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,429,000 | 242,225,000 | 247,378,000 | 231,596,000 |
| Interest-bearing deposits | 199,285,000 | 196,998,000 | 193,704,000 | 188,897,000 |
| Noninterest-bearing deposits | 42,144,000 | 45,228,000 | 53,675,000 | 42,699,000 |
| Equity capital | 19,455,000 | 19,165,000 | 18,865,000 | 18,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,188,000 | 4,340,000 | 6,503,000 | 8,493,000 |
| Interest expense | 218,000 | 409,000 | 576,000 | 738,000 |
| Net interest income | 1,970,000 | 3,931,000 | 5,927,000 | 7,755,000 |
| Noninterest income | 242,000 | 318,000 | 370,000 | 436,000 |
| Noninterest expense | 2,281,000 | 4,599,000 | 6,975,000 | 9,382,000 |
| Provision for loan losses | 300,000 | 450,000 | 550,000 | 550,000 |
| Pretax income | -369,000 | -800,000 | -1,228,000 | -1,741,000 |
| Income tax | -131,000 | -282,000 | -435,000 | -501,000 |
| Net income | -238,000 | -518,000 | -793,000 | -1,240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,860,000 | 18,391,000 | 17,920,000 | 17,504,000 |
| Total capital | 20,962,000 | 20,543,000 | 20,067,000 | 19,578,000 |
| Risk-weighted assets | 160,615,000 | 164,842,000 | 165,619,000 | 159,933,000 |
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