Call reports 2004
UNITED BANK — 2004
What UNITED BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 532,818,000 | 534,819,000 | 534,194,000 | 534,819,000 |
| Total loans | 375,464,000 | 391,632,000 | 398,789,000 | 406,209,000 |
| Allowance for loan losses | 6,436,000 | 6,789,000 | 6,923,000 | 7,068,000 |
| Securities available for sale | 101,726,000 | 99,405,000 | 96,085,000 | 90,148,000 |
| Securities held to maturity | 1,320,000 | 1,112,000 | 983,000 | 414,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 446,239,000 | 448,901,000 | 450,674,000 | 454,910,000 |
| Interest-bearing deposits | 377,957,000 | 380,435,000 | 378,281,000 | 380,503,000 |
| Noninterest-bearing deposits | 68,282,000 | 68,466,000 | 72,393,000 | 74,407,000 |
| Equity capital | 55,882,000 | 55,609,000 | 58,720,000 | 55,335,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 8,002,000 | 15,796,000 | 23,906,000 | 32,136,000 |
| Interest expense | 1,819,000 | 3,569,000 | 5,339,000 | 7,251,000 |
| Net interest income | 6,183,000 | 12,227,000 | 18,567,000 | 24,885,000 |
| Noninterest income | 1,770,000 | 3,804,000 | 5,762,000 | 7,620,000 |
| Noninterest expense | 4,972,000 | 10,005,000 | 15,053,000 | 19,881,000 |
| Provision for loan losses | 237,000 | 734,000 | 1,149,000 | 2,045,000 |
| Pretax income | 2,799,000 | 5,347,000 | 8,286,000 | 11,080,000 |
| Income tax | 952,000 | 1,810,000 | 2,816,000 | 3,766,000 |
| Net income | 1,847,000 | 3,537,000 | 5,470,000 | 7,314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,262,000 | 53,958,000 | 55,894,000 | 52,743,000 |
| Total capital | 56,817,000 | 58,728,000 | 60,699,000 | 57,645,000 |
| Risk-weighted assets | 362,503,000 | 379,153,000 | 382,201,000 | 389,978,000 |
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