Call reports 2005
UNION BANK OF BENTON, THE — 2005
What UNION BANK OF BENTON, THE 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 | 215,926,000 | 215,607,000 | 213,410,000 | 215,024,000 |
| Total loans | 72,101,000 | 76,740,000 | 78,028,000 | 81,835,000 |
| Allowance for loan losses | 1,269,000 | 1,259,000 | 1,324,000 | 1,166,000 |
| Securities available for sale | 115,517,000 | 113,607,000 | 113,281,000 | 111,999,000 |
| Securities held to maturity | 10,743,000 | 9,984,000 | 9,984,000 | 9,985,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,312,000 | 171,508,000 | 171,956,000 | 172,298,000 |
| Interest-bearing deposits | 142,133,000 | 136,798,000 | 134,261,000 | 131,910,000 |
| Noninterest-bearing deposits | 33,179,000 | 34,710,000 | 37,695,000 | 40,388,000 |
| Equity capital | 16,361,000 | 16,841,000 | 15,859,000 | 15,192,000 |
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 | 2,537,000 | 5,280,000 | 8,049,000 | 10,877,000 |
| Interest expense | 709,000 | 1,554,000 | 2,455,000 | 3,448,000 |
| Net interest income | 1,828,000 | 3,726,000 | 5,594,000 | 7,429,000 |
| Noninterest income | 457,000 | 1,148,000 | 1,490,000 | 1,793,000 |
| Noninterest expense | 1,623,000 | 3,309,000 | 5,005,000 | 6,686,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,740,000 | 3,657,000 | 4,178,000 | 4,516,000 |
| Income tax | 878,000 | 1,140,000 | 1,279,000 | 1,356,000 |
| Net income | 1,862,000 | 2,517,000 | 2,899,000 | 3,160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,257,000 | 16,494,000 | 15,882,000 | 16,486,000 |
| Total capital | 18,501,000 | 17,753,000 | 17,191,000 | 17,652,000 |
| Risk-weighted assets | 99,478,000 | 104,375,000 | 104,722,000 | 109,434,000 |