Call reports 2004
UNITED AMERICAS BANK, NATIONAL ASSOCIATION — 2004
What UNITED AMERICAS BANK, NATIONAL ASSOCIATION 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 | 93,431,000 | 98,610,000 | 106,690,000 | 113,341,000 |
| Total loans | 90,062,000 | 94,434,000 | 102,296,000 | 108,178,000 |
| Allowance for loan losses | 1,291,000 | 1,375,000 | 1,460,000 | 1,085,000 |
| Securities available for sale | 131,000 | 108,000 | 106,000 | 103,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,618,000 | 66,093,000 | 72,131,000 | 75,337,000 |
| Interest-bearing deposits | 61,839,000 | 61,633,000 | 67,299,000 | 70,705,000 |
| Noninterest-bearing deposits | 3,779,000 | 4,460,000 | 4,832,000 | 4,632,000 |
| Equity capital | 10,943,000 | 11,167,000 | 11,443,000 | 11,760,000 |
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 | 1,484,000 | 3,072,000 | 4,826,000 | 6,773,000 |
| Interest expense | 401,000 | 843,000 | 1,341,000 | 1,924,000 |
| Net interest income | 1,083,000 | 2,229,000 | 3,485,000 | 4,849,000 |
| Noninterest income | 162,000 | 325,000 | 505,000 | 687,000 |
| Noninterest expense | 737,000 | 1,616,000 | 2,474,000 | 3,233,000 |
| Provision for loan losses | 145,000 | 235,000 | 375,000 | 650,000 |
| Pretax income | 367,000 | 707,000 | 1,145,000 | 1,657,000 |
| Income tax | 135,000 | 250,000 | 411,000 | 605,000 |
| Net income | 232,000 | 457,000 | 734,000 | 1,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,943,000 | 11,167,000 | 11,443,000 | 11,758,000 |
| Total capital | 11,905,000 | 12,170,000 | 12,517,000 | 12,843,000 |
| Risk-weighted assets | 76,689,000 | 79,660,000 | 85,499,000 | 90,429,000 |
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