Call reports 2015
UWHARRIE BANK — 2015
What UWHARRIE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 513,328,000 | 513,959,000 | 525,143,000 | 530,130,000 |
| Total loans | 309,034,000 | 317,484,000 | 323,234,000 | 326,054,000 |
| Allowance for loan losses | 3,729,000 | 3,327,000 | 2,961,000 | 2,884,000 |
| Securities available for sale | 105,530,000 | 98,482,000 | 96,927,000 | 89,258,000 |
| Securities held to maturity | 11,466,000 | 11,434,000 | 11,274,000 | 11,242,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 456,082,000 | 456,362,000 | 466,234,000 | 471,790,000 |
| Interest-bearing deposits | 435,856,000 | 434,058,000 | 446,248,000 | 450,707,000 |
| Noninterest-bearing deposits | 20,226,000 | 22,304,000 | 19,986,000 | 21,083,000 |
| Equity capital | 52,383,000 | 52,528,000 | 53,477,000 | 53,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,503,000 | 9,023,000 | 13,555,000 | 18,089,000 |
| Interest expense | 302,000 | 596,000 | 880,000 | 1,127,000 |
| Net interest income | 4,201,000 | 8,427,000 | 12,675,000 | 16,962,000 |
| Noninterest income | 1,426,000 | 2,921,000 | 4,786,000 | 6,250,000 |
| Noninterest expense | 4,764,000 | 9,728,000 | 15,147,000 | 20,559,000 |
| Provision for loan losses | -62,000 | -297,000 | -621,000 | -620,000 |
| Pretax income | 1,150,000 | 2,420,000 | 3,438,000 | 3,809,000 |
| Income tax | 344,000 | 739,000 | 1,032,000 | 1,102,000 |
| Net income | 806,000 | 1,681,000 | 2,406,000 | 2,707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,861,000 | 52,595,000 | 53,178,000 | 53,337,000 |
| Total capital | 55,590,000 | 55,922,000 | 56,139,000 | 56,221,000 |
| Risk-weighted assets | 349,282,000 | 356,258,000 | 360,706,000 | 356,857,000 |