Call reports 2004
UNITED SOUTHWEST BANK — 2004
What UNITED SOUTHWEST 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 | 43,537,000 | 41,036,000 | 43,484,000 | 42,062,000 |
| Total loans | 23,347,000 | 23,382,000 | 23,935,000 | 24,329,000 |
| Allowance for loan losses | 252,000 | 244,000 | 260,000 | 277,000 |
| Securities available for sale | 7,806,000 | 9,032,000 | 8,635,000 | 7,881,000 |
| Securities held to maturity | 302,000 | 301,000 | 301,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,380,000 | 37,441,000 | 39,475,000 | 38,049,000 |
| Interest-bearing deposits | 30,702,000 | 29,339,000 | 29,862,000 | 28,008,000 |
| Noninterest-bearing deposits | 8,678,000 | 8,102,000 | 9,613,000 | 10,041,000 |
| Equity capital | 3,534,000 | 3,277,000 | 3,528,000 | 3,587,000 |
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 | 526,000 | 1,042,000 | 1,591,000 | 2,148,000 |
| Interest expense | 122,000 | 229,000 | 330,000 | 436,000 |
| Net interest income | 404,000 | 813,000 | 1,261,000 | 1,712,000 |
| Noninterest income | 64,000 | 118,000 | 168,000 | 246,000 |
| Noninterest expense | 410,000 | 808,000 | 1,211,000 | 1,623,000 |
| Provision for loan losses | 8,000 | 20,000 | 35,000 | 50,000 |
| Pretax income | 50,000 | 103,000 | 183,000 | 285,000 |
| Income tax | -48,000 | 22,000 | 14,000 | 1,000 |
| Net income | 98,000 | 81,000 | 169,000 | 284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,331,000 | 3,315,000 | 3,402,000 | 3,516,000 |
| Total capital | 3,583,000 | 3,559,000 | 3,662,000 | 3,793,000 |
| Risk-weighted assets | 33,542,000 | 31,830,000 | 35,024,000 | 34,731,000 |