Call reports 2005
UNITED AMERICAS BANK, NATIONAL ASSOCIATION — 2005
What UNITED AMERICAS BANK, NATIONAL ASSOCIATION 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 | 119,746,000 | 135,705,000 | 144,594,000 | 150,824,000 |
| Total loans | 112,737,000 | 119,353,000 | 127,308,000 | 135,757,000 |
| Allowance for loan losses | 1,311,000 | 1,466,000 | 1,596,000 | 1,690,000 |
| Securities available for sale | 96,000 | 2,105,000 | 8,695,000 | 8,389,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,469,000 | 95,488,000 | 108,739,000 | 115,015,000 |
| Interest-bearing deposits | 72,379,000 | 89,774,000 | 101,207,000 | 105,712,000 |
| Noninterest-bearing deposits | 5,090,000 | 5,714,000 | 7,532,000 | 9,303,000 |
| Equity capital | 12,070,000 | 12,367,000 | 12,688,000 | 12,986,000 |
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 | 2,057,000 | 4,305,000 | 6,902,000 | 9,730,000 |
| Interest expense | 671,000 | 1,504,000 | 2,563,000 | 3,743,000 |
| Net interest income | 1,386,000 | 2,801,000 | 4,339,000 | 5,987,000 |
| Noninterest income | 204,000 | 363,000 | 484,000 | 586,000 |
| Noninterest expense | 864,000 | 1,809,000 | 2,799,000 | 3,775,000 |
| Provision for loan losses | 225,000 | 375,000 | 515,000 | 655,000 |
| Pretax income | 501,000 | 980,000 | 1,509,000 | 2,143,000 |
| Income tax | 190,000 | 372,000 | 573,000 | 812,000 |
| Net income | 311,000 | 608,000 | 936,000 | 1,331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,070,000 | 12,367,000 | 12,688,000 | 13,089,000 |
| Total capital | 13,223,000 | 13,625,000 | 14,017,000 | 14,522,000 |
| Risk-weighted assets | 92,050,000 | 100,404,000 | 106,109,000 | 116,184,000 |
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