Call reports 2016
UNITED AMERICAN BANK — 2016
What UNITED AMERICAN BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 295,919,000 | 302,602,000 | 311,508,000 | 306,357,000 |
| Total loans | 208,412,000 | 206,826,000 | 210,717,000 | 215,025,000 |
| Allowance for loan losses | 5,217,000 | 5,273,000 | 5,394,000 | 3,727,000 |
| Securities available for sale | 57,370,000 | 62,485,000 | 73,578,000 | 71,591,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,689,000 | 274,224,000 | 283,454,000 | 277,457,000 |
| Interest-bearing deposits | 202,543,000 | 210,964,000 | 208,483,000 | 212,767,000 |
| Noninterest-bearing deposits | 66,146,000 | 63,260,000 | 74,971,000 | 64,691,000 |
| Equity capital | 25,259,000 | 25,750,000 | 25,956,000 | 27,265,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,488,000 | 5,005,000 | 7,618,000 | 10,266,000 |
| Interest expense | 151,000 | 299,000 | 443,000 | 583,000 |
| Net interest income | 2,337,000 | 4,706,000 | 7,175,000 | 9,683,000 |
| Noninterest income | 62,000 | 143,000 | 237,000 | 322,000 |
| Noninterest expense | 2,142,000 | 4,273,000 | 6,463,000 | 8,535,000 |
| Provision for loan losses | 0 | 0 | -75,000 | -1,775,000 |
| Pretax income | 257,000 | 576,000 | 1,024,000 | 3,245,000 |
| Income tax | 89,000 | 196,000 | 342,000 | 0 |
| Net income | 168,000 | 380,000 | 682,000 | 3,245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,914,000 | 25,127,000 | 25,427,000 | 27,991,000 |
| Total capital | 27,602,000 | 27,809,000 | 28,180,000 | 30,829,000 |
| Risk-weighted assets | 212,120,000 | 211,624,000 | 217,231,000 | 225,885,000 |