Call reports 2005
UNITED SOUTHWEST BANK — 2005
What UNITED SOUTHWEST BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 42,240,000 | 41,932,000 | 44,185,000 | 43,455,000 |
| Total loans | 22,249,000 | 24,134,000 | 23,787,000 | 24,285,000 |
| Allowance for loan losses | 293,000 | 295,000 | 378,000 | 385,000 |
| Securities available for sale | 8,244,000 | 10,996,000 | 10,585,000 | 10,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,472,000 | 37,983,000 | 40,059,000 | 39,456,000 |
| Interest-bearing deposits | 28,861,000 | 28,047,000 | 29,532,000 | 29,530,000 |
| Noninterest-bearing deposits | 9,611,000 | 9,936,000 | 10,527,000 | 9,926,000 |
| Equity capital | 3,405,000 | 3,551,000 | 3,584,000 | 3,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 508,000 | 1,063,000 | 1,666,000 | 2,246,000 |
| Interest expense | 109,000 | 228,000 | 365,000 | 522,000 |
| Net interest income | 399,000 | 835,000 | 1,301,000 | 1,724,000 |
| Noninterest income | 42,000 | 86,000 | 128,000 | 202,000 |
| Noninterest expense | 392,000 | 787,000 | 1,176,000 | 1,581,000 |
| Provision for loan losses | 15,000 | 30,000 | 40,000 | 40,000 |
| Pretax income | 34,000 | 104,000 | 213,000 | 305,000 |
| Income tax | 10,000 | 23,000 | 27,000 | -108,000 |
| Net income | 24,000 | 81,000 | 186,000 | 413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,420,000 | 3,478,000 | 3,582,000 | 3,792,000 |
| Total capital | 3,713,000 | 3,773,000 | 3,960,000 | 4,177,000 |
| Risk-weighted assets | 32,414,000 | 35,101,000 | 34,616,000 | 34,411,000 |