Call reports 2004
UWHARRIE BANK — 2004
What UWHARRIE 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 | 230,020,000 | 242,762,000 | 242,540,000 | 236,953,000 |
| Total loans | 184,301,000 | 198,948,000 | 189,837,000 | 190,701,000 |
| Allowance for loan losses | 2,528,000 | 2,672,000 | 2,844,000 | 3,627,000 |
| Securities available for sale | 19,327,000 | 20,368,000 | 21,043,000 | 19,477,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,425,000 | 179,717,000 | 187,203,000 | 181,829,000 |
| Interest-bearing deposits | 146,095,000 | 150,122,000 | 158,081,000 | 153,171,000 |
| Noninterest-bearing deposits | 27,330,000 | 29,595,000 | 29,122,000 | 28,658,000 |
| Equity capital | 21,154,000 | 20,330,000 | 21,202,000 | 20,993,000 |
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 | 2,911,000 | 5,875,000 | 8,997,000 | 12,109,000 |
| Interest expense | 790,000 | 1,563,000 | 2,390,000 | 3,253,000 |
| Net interest income | 2,121,000 | 4,312,000 | 6,607,000 | 8,856,000 |
| Noninterest income | 1,052,000 | 1,791,000 | 2,648,000 | 3,505,000 |
| Noninterest expense | 2,219,000 | 4,400,000 | 6,690,000 | 9,144,000 |
| Provision for loan losses | 95,000 | 290,000 | 465,000 | 1,390,000 |
| Pretax income | 859,000 | 1,413,000 | 2,102,000 | 1,829,000 |
| Income tax | 220,000 | 356,000 | 544,000 | 344,000 |
| Net income | 639,000 | 1,057,000 | 1,558,000 | 1,485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,154,000 | 19,817,000 | 20,335,000 | 20,262,000 |
| Total capital | 22,519,000 | 22,285,000 | 22,713,000 | 22,631,000 |
| Risk-weighted assets | 188,246,000 | 196,430,000 | 189,089,000 | 187,469,000 |