Call reports 2005
UNITED BANK — 2005
What UNITED 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 | 50,908,000 | 53,385,000 | 51,950,000 | 58,026,000 |
| Total loans | 39,192,000 | 40,284,000 | 40,246,000 | 40,702,000 |
| Allowance for loan losses | 689,000 | 693,000 | 725,000 | 700,000 |
| Securities available for sale | 74,000 | 74,000 | 74,000 | 74,000 |
| Securities held to maturity | 8,591,000 | 8,869,000 | 7,877,000 | 12,291,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,354,000 | 43,324,000 | 42,280,000 | 48,213,000 |
| Interest-bearing deposits | 36,310,000 | 37,403,000 | 36,077,000 | 41,614,000 |
| Noninterest-bearing deposits | 5,044,000 | 5,921,000 | 6,203,000 | 6,599,000 |
| Equity capital | 4,817,000 | 4,993,000 | 5,026,000 | 5,210,000 |
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 | 848,000 | 1,711,000 | 2,665,000 | 3,677,000 |
| Interest expense | 206,000 | 436,000 | 710,000 | 1,014,000 |
| Net interest income | 642,000 | 1,275,000 | 1,955,000 | 2,663,000 |
| Noninterest income | 72,000 | 142,000 | 215,000 | 293,000 |
| Noninterest expense | 430,000 | 864,000 | 1,324,000 | 1,812,000 |
| Provision for loan losses | 10,000 | 15,000 | 26,000 | 45,000 |
| Pretax income | 274,000 | 556,000 | 847,000 | 1,126,000 |
| Income tax | 102,000 | 208,000 | 322,000 | 418,000 |
| Net income | 172,000 | 348,000 | 525,000 | 708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,818,000 | 4,994,000 | 5,027,000 | 5,211,000 |
| Total capital | 5,293,000 | 5,477,000 | 5,502,000 | 5,661,000 |
| Risk-weighted assets | 37,824,000 | 38,550,000 | 39,094,000 | 39,616,000 |
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