Call reports 2015
UNITED AMERICAN BANK — 2015
What UNITED AMERICAN BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 285,764,000 | 295,719,000 | 302,670,000 | 284,473,000 |
| Total loans | 194,393,000 | 193,577,000 | 209,660,000 | 210,354,000 |
| Allowance for loan losses | 6,640,000 | 5,184,000 | 5,532,000 | 5,177,000 |
| Securities available for sale | 41,932,000 | 42,889,000 | 42,979,000 | 44,134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,966,000 | 270,255,000 | 277,145,000 | 258,505,000 |
| Interest-bearing deposits | 199,993,000 | 211,261,000 | 214,764,000 | 205,628,000 |
| Noninterest-bearing deposits | 61,974,000 | 58,994,000 | 62,381,000 | 52,878,000 |
| Equity capital | 22,781,000 | 23,853,000 | 24,083,000 | 24,872,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,270,000 | 4,612,000 | 7,066,000 | 9,631,000 |
| Interest expense | 150,000 | 313,000 | 481,000 | 643,000 |
| Net interest income | 2,120,000 | 4,299,000 | 6,585,000 | 8,988,000 |
| Noninterest income | 171,000 | 275,000 | 357,000 | 427,000 |
| Noninterest expense | 2,032,000 | 4,151,000 | 6,293,000 | 8,514,000 |
| Provision for loan losses | 0 | -1,500,000 | -1,500,000 | -1,500,000 |
| Pretax income | 259,000 | 1,923,000 | 2,149,000 | 2,401,000 |
| Income tax | 89,000 | 658,000 | 731,000 | 0 |
| Net income | 170,000 | 1,265,000 | 1,418,000 | 2,401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,516,000 | 23,611,000 | 23,763,000 | 24,746,000 |
| Total capital | 24,960,000 | 26,073,000 | 26,390,000 | 27,412,000 |
| Risk-weighted assets | 190,987,000 | 193,840,000 | 206,831,000 | 210,381,000 |