Call reports 2005
UWHARRIE BANK — 2005
What UWHARRIE 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 | 233,126,000 | 228,959,000 | 243,432,000 | 247,094,000 |
| Total loans | 191,186,000 | 187,787,000 | 193,348,000 | 197,994,000 |
| Allowance for loan losses | 3,621,000 | 3,704,000 | 3,033,000 | 3,184,000 |
| Securities available for sale | 18,840,000 | 19,494,000 | 21,163,000 | 25,695,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,529,000 | 171,767,000 | 189,377,000 | 193,507,000 |
| Interest-bearing deposits | 145,622,000 | 140,008,000 | 151,365,000 | 162,050,000 |
| Noninterest-bearing deposits | 30,907,000 | 31,759,000 | 38,012,000 | 31,457,000 |
| Equity capital | 21,182,000 | 21,278,000 | 20,936,000 | 21,282,000 |
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 | 3,183,000 | 6,485,000 | 10,015,000 | 13,785,000 |
| Interest expense | 902,000 | 1,895,000 | 3,048,000 | 4,388,000 |
| Net interest income | 2,281,000 | 4,590,000 | 6,967,000 | 9,397,000 |
| Noninterest income | 838,000 | 1,712,000 | 2,578,000 | 3,415,000 |
| Noninterest expense | 2,420,000 | 4,868,000 | 7,405,000 | 9,922,000 |
| Provision for loan losses | 170,000 | 314,000 | 525,000 | 705,000 |
| Pretax income | 533,000 | 1,104,000 | 1,599,000 | 2,169,000 |
| Income tax | 137,000 | 278,000 | 409,000 | 544,000 |
| Net income | 396,000 | 826,000 | 1,190,000 | 1,625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,658,000 | 20,544,000 | 20,444,000 | 20,887,000 |
| Total capital | 23,030,000 | 22,877,000 | 22,790,000 | 23,284,000 |
| Risk-weighted assets | 188,505,000 | 185,287,000 | 186,689,000 | 190,537,000 |
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