Call reports 2004
UNITED BUSINESS BANK — 2004
What UNITED BUSINESS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q3 | 2004Q4 |
|---|---|---|
| Total assets | 20,117,000 | 25,554,000 |
| Total loans | 7,972,000 | 15,252,000 |
| Allowance for loan losses | 83,000 | 175,000 |
| Securities available for sale | 1,936,000 | 1,747,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 5,861,000 | 11,589,000 |
| Interest-bearing deposits | 5,059,000 | 10,413,000 |
| Noninterest-bearing deposits | 802,000 | 1,176,000 |
| Equity capital | 14,216,000 | 13,881,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q3 | 2004Q4 |
|---|---|---|
| Interest income | 72,000 | 323,000 |
| Interest expense | 9,000 | 49,000 |
| Net interest income | 63,000 | 274,000 |
| Noninterest income | 2,000 | 3,000 |
| Noninterest expense | 1,151,000 | 1,600,000 |
| Provision for loan losses | 83,000 | 175,000 |
| Pretax income | -1,169,000 | -1,498,000 |
| Income tax | 0 | 0 |
| Net income | -1,169,000 | -1,498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q3 | 2004Q4 |
|---|---|---|
| Tier 1 capital | 14,225,000 | 13,896,000 |
| Total capital | 14,308,000 | 14,071,000 |
| Risk-weighted assets | 10,754,000 | 17,261,000 |