Call reports 2005
UNITED BANKERS' BANK — 2005
What UNITED BANKERS' 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 | 334,951,000 | 389,653,000 | 373,722,000 | 353,064,000 |
| Total loans | 166,074,000 | 180,469,000 | 187,657,000 | 181,766,000 |
| Allowance for loan losses | 1,891,000 | 1,952,000 | 2,096,000 | 2,204,000 |
| Securities available for sale | 50,690,000 | 51,026,000 | 48,894,000 | 48,793,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 755,000 | 1,134,000 | 690,000 | 1,101,000 |
| Total deposits | 234,597,000 | 292,412,000 | 296,675,000 | 266,638,000 |
| Interest-bearing deposits | 0 | 44,657,000 | 72,865,000 | 61,550,000 |
| Noninterest-bearing deposits | 234,597,000 | 247,755,000 | 223,810,000 | 205,088,000 |
| Equity capital | 21,601,000 | 22,431,000 | 22,838,000 | 23,539,000 |
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 | 3,235,000 | 6,967,000 | 11,074,000 | 15,190,000 |
| Interest expense | 390,000 | 1,141,000 | 2,092,000 | 3,122,000 |
| Net interest income | 2,845,000 | 5,826,000 | 8,982,000 | 12,068,000 |
| Noninterest income | 2,231,000 | 4,515,000 | 6,763,000 | 9,248,000 |
| Noninterest expense | 4,172,000 | 8,303,000 | 12,717,000 | 16,911,000 |
| Provision for loan losses | 125,000 | 200,000 | 350,000 | 450,000 |
| Pretax income | 779,000 | 1,838,000 | 2,678,000 | 3,955,000 |
| Income tax | 304,000 | 731,000 | 1,080,000 | 1,591,000 |
| Net income | 475,000 | 1,107,000 | 1,598,000 | 2,364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,102,000 | 22,734,000 | 23,225,000 | 23,991,000 |
| Total capital | 23,993,000 | 24,686,000 | 25,321,000 | 26,195,000 |
| Risk-weighted assets | 216,116,000 | 231,234,000 | 235,303,000 | 222,852,000 |