Call reports 2004
NATIONAL UNITED — 2004
What NATIONAL UNITED 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 | 319,856,000 | 318,780,000 | 330,859,000 | 343,916,000 |
| Total loans | 201,967,000 | 205,115,000 | 207,149,000 | 215,262,000 |
| Allowance for loan losses | 2,507,000 | 2,266,000 | 2,261,000 | 2,344,000 |
| Securities available for sale | 60,845,000 | 57,081,000 | 52,607,000 | 47,993,000 |
| Securities held to maturity | 10,365,000 | 10,181,000 | 9,204,000 | 9,184,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 288,078,000 | 287,875,000 | 298,351,000 | 312,560,000 |
| Interest-bearing deposits | 221,440,000 | 224,110,000 | 236,348,000 | 247,176,000 |
| Noninterest-bearing deposits | 66,638,000 | 63,765,000 | 62,003,000 | 65,384,000 |
| Equity capital | 30,030,000 | 29,230,000 | 30,234,000 | 29,985,000 |
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 | 4,135,000 | 8,131,000 | 12,250,000 | 16,508,000 |
| Interest expense | 939,000 | 1,957,000 | 3,030,000 | 4,145,000 |
| Net interest income | 3,196,000 | 6,174,000 | 9,220,000 | 12,363,000 |
| Noninterest income | 1,442,000 | 2,895,000 | 4,709,000 | 6,276,000 |
| Noninterest expense | 3,020,000 | 6,080,000 | 9,397,000 | 12,561,000 |
| Provision for loan losses | 44,000 | 293,000 | 444,000 | 867,000 |
| Pretax income | 1,574,000 | 2,696,000 | 4,088,000 | 5,211,000 |
| Income tax | 498,000 | 769,000 | 1,160,000 | 1,449,000 |
| Net income | 1,076,000 | 1,927,000 | 2,928,000 | 3,762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,317,000 | 29,316,000 | 29,868,000 | 29,785,000 |
| Total capital | 31,824,000 | 31,582,000 | 32,129,000 | 32,129,000 |
| Risk-weighted assets | 210,989,000 | 209,304,000 | 215,236,000 | 223,484,000 |