Call reports 2004
UNITED BANK — 2004
What UNITED 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 | 49,608,000 | 51,549,000 | 52,676,000 | 51,512,000 |
| Total loans | 36,320,000 | 38,761,000 | 39,815,000 | 38,629,000 |
| Allowance for loan losses | 706,000 | 717,000 | 726,000 | 746,000 |
| Securities available for sale | 111,000 | 109,000 | 109,000 | 109,000 |
| Securities held to maturity | 9,483,000 | 9,207,000 | 9,020,000 | 9,236,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,593,000 | 41,441,000 | 42,929,000 | 41,694,000 |
| Interest-bearing deposits | 36,336,000 | 36,882,000 | 37,344,000 | 35,823,000 |
| Noninterest-bearing deposits | 4,257,000 | 4,559,000 | 5,585,000 | 5,871,000 |
| Equity capital | 4,434,000 | 4,601,000 | 4,628,000 | 4,796,000 |
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 | 787,000 | 1,582,000 | 2,399,000 | 3,268,000 |
| Interest expense | 189,000 | 374,000 | 573,000 | 788,000 |
| Net interest income | 598,000 | 1,208,000 | 1,826,000 | 2,480,000 |
| Noninterest income | 64,000 | 133,000 | 209,000 | 280,000 |
| Noninterest expense | 406,000 | 802,000 | 1,226,000 | 1,707,000 |
| Provision for loan losses | 6,000 | 17,000 | 26,000 | 43,000 |
| Pretax income | 251,000 | 521,000 | 793,000 | 1,020,000 |
| Income tax | 91,000 | 191,000 | 293,000 | 352,000 |
| Net income | 160,000 | 330,000 | 500,000 | 668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,433,000 | 4,602,000 | 4,628,000 | 4,796,000 |
| Total capital | 4,879,000 | 5,081,000 | 5,119,000 | 5,267,000 |
| Risk-weighted assets | 35,396,000 | 38,072,000 | 38,978,000 | 37,480,000 |