Call reports 2014
UNITED AMERICAN BANK — 2014
What UNITED AMERICAN BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 252,421,000 | 252,876,000 | 269,695,000 | 265,250,000 |
| Total loans | 163,048,000 | 184,428,000 | 186,553,000 | 183,664,000 |
| Allowance for loan losses | 7,664,000 | 7,672,000 | 8,235,000 | 6,489,000 |
| Securities available for sale | 38,916,000 | 43,907,000 | 43,935,000 | 40,781,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,146,000 | 233,670,000 | 250,182,000 | 242,368,000 |
| Interest-bearing deposits | 187,766,000 | 190,890,000 | 199,331,000 | 198,926,000 |
| Noninterest-bearing deposits | 45,380,000 | 42,780,000 | 50,850,000 | 43,442,000 |
| Equity capital | 18,218,000 | 18,074,000 | 18,248,000 | 21,595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,926,000 | 3,966,000 | 6,346,000 | 8,618,000 |
| Interest expense | 152,000 | 300,000 | 459,000 | 619,000 |
| Net interest income | 1,774,000 | 3,666,000 | 5,887,000 | 7,999,000 |
| Noninterest income | 71,000 | 136,000 | 364,000 | 419,000 |
| Noninterest expense | 2,187,000 | 4,475,000 | 6,565,000 | 8,646,000 |
| Provision for loan losses | 0 | 0 | 0 | -2,500,000 |
| Pretax income | -342,000 | -673,000 | -314,000 | 2,272,000 |
| Income tax | -123,000 | -242,000 | -129,000 | 0 |
| Net income | -219,000 | -431,000 | -185,000 | 2,272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,263,000 | 17,992,000 | 18,239,000 | 21,445,000 |
| Total capital | 19,351,000 | 20,291,000 | 20,502,000 | 23,725,000 |
| Risk-weighted assets | 161,036,000 | 178,112,000 | 179,053,000 | 177,797,000 |
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