Call reports 2004
UNITED PACIFIC BANK — 2004
What UNITED PACIFIC 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 | 88,234,000 | 84,322,000 | 78,078,000 | 78,348,000 |
| Total loans | 47,891,000 | 44,986,000 | 39,306,000 | 37,319,000 |
| Allowance for loan losses | 2,881,000 | 1,946,000 | 1,927,000 | 1,927,000 |
| Securities available for sale | 20,930,000 | 18,167,000 | 23,854,000 | 25,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,710,000 | 69,370,000 | 65,447,000 | 65,938,000 |
| Interest-bearing deposits | 67,022,000 | 62,504,000 | 58,479,000 | 56,399,000 |
| Noninterest-bearing deposits | 9,688,000 | 6,866,000 | 6,968,000 | 9,539,000 |
| Equity capital | 10,834,000 | 12,339,000 | 12,227,000 | 11,864,000 |
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 | 1,004,000 | 1,877,000 | 2,764,000 | 3,662,000 |
| Interest expense | 286,000 | 541,000 | 791,000 | 1,040,000 |
| Net interest income | 718,000 | 1,336,000 | 1,973,000 | 2,622,000 |
| Noninterest income | 35,000 | 61,000 | 86,000 | 113,000 |
| Noninterest expense | 1,296,000 | 2,260,000 | 3,115,000 | 4,077,000 |
| Provision for loan losses | 0 | -995,000 | -1,010,000 | -1,012,000 |
| Pretax income | -543,000 | 132,000 | -46,000 | -391,000 |
| Income tax | 1,000 | 1,000 | 1,000 | -28,000 |
| Net income | -544,000 | 131,000 | -47,000 | -363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,910,000 | 12,592,000 | 12,413,000 | 12,140,000 |
| Total capital | 11,592,000 | 13,240,000 | 12,989,000 | 12,696,000 |
| Risk-weighted assets | 52,394,000 | 50,529,000 | 44,735,000 | 43,105,000 |