Call reports 2005
UNITED PACIFIC BANK — 2005
What UNITED PACIFIC 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 | 72,623,000 | 81,823,000 | 93,158,000 | 100,078,000 |
| Total loans | 40,494,000 | 57,083,000 | 64,544,000 | 67,009,000 |
| Allowance for loan losses | 1,935,000 | 1,937,000 | 1,935,000 | 1,936,000 |
| Securities available for sale | 23,726,000 | 8,526,000 | 8,113,000 | 13,645,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,582,000 | 68,926,000 | 80,314,000 | 86,890,000 |
| Interest-bearing deposits | 53,918,000 | 62,467,000 | 72,436,000 | 81,922,000 |
| Noninterest-bearing deposits | 6,664,000 | 6,460,000 | 7,878,000 | 4,968,000 |
| Equity capital | 11,508,000 | 12,342,000 | 12,263,000 | 12,750,000 |
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 | 894,000 | 1,836,000 | 2,993,000 | 4,404,000 |
| Interest expense | 263,000 | 584,000 | 1,062,000 | 1,748,000 |
| Net interest income | 631,000 | 1,252,000 | 1,931,000 | 2,656,000 |
| Noninterest income | 24,000 | 45,000 | 67,000 | 261,000 |
| Noninterest expense | 881,000 | 1,793,000 | 2,724,000 | 3,626,000 |
| Provision for loan losses | 6,000 | 7,000 | -110,000 | -677,000 |
| Pretax income | -232,000 | -711,000 | -824,000 | -260,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -233,000 | -712,000 | -825,000 | -261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,902,000 | 12,407,000 | 12,288,000 | 12,879,000 |
| Total capital | 12,476,000 | 13,177,000 | 13,166,000 | 13,811,000 |
| Risk-weighted assets | 44,559,000 | 60,447,000 | 69,158,000 | 73,548,000 |