Call reports 2005
NATIONAL UNITED — 2005
What NATIONAL UNITED 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 | 362,946,000 | 392,602,000 | 400,921,000 | 403,362,000 |
| Total loans | 212,723,000 | 221,885,000 | 226,868,000 | 227,600,000 |
| Allowance for loan losses | 2,388,000 | 2,267,000 | 2,248,000 | 2,204,000 |
| Securities available for sale | 46,245,000 | 53,631,000 | 64,188,000 | 77,157,000 |
| Securities held to maturity | 6,966,000 | 11,173,000 | 26,478,000 | 29,133,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,039,000 | 359,844,000 | 367,590,000 | 370,227,000 |
| Interest-bearing deposits | 263,283,000 | 291,797,000 | 299,252,000 | 300,574,000 |
| Noninterest-bearing deposits | 67,756,000 | 68,047,000 | 68,338,000 | 69,653,000 |
| Equity capital | 30,010,000 | 30,804,000 | 31,290,000 | 31,184,000 |
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 | 4,429,000 | 9,425,000 | 14,718,000 | 20,401,000 |
| Interest expense | 1,265,000 | 2,894,000 | 4,759,000 | 6,778,000 |
| Net interest income | 3,164,000 | 6,531,000 | 9,959,000 | 13,623,000 |
| Noninterest income | 1,577,000 | 3,492,000 | 5,257,000 | 6,676,000 |
| Noninterest expense | 3,368,000 | 6,676,000 | 10,083,000 | 13,465,000 |
| Provision for loan losses | 196,000 | 453,000 | 679,000 | 1,006,000 |
| Pretax income | 1,177,000 | 2,894,000 | 4,454,000 | 5,828,000 |
| Income tax | 369,000 | 841,000 | 1,380,000 | 1,695,000 |
| Net income | 808,000 | 2,053,000 | 3,074,000 | 4,133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,047,000 | 30,790,000 | 31,365,000 | 31,450,000 |
| Total capital | 32,435,000 | 33,057,000 | 33,613,000 | 33,654,000 |
| Risk-weighted assets | 227,905,000 | 237,099,000 | 201,531,000 | 244,036,000 |