Call reports 2005
UNITED BANK OF UNION — 2005
What UNITED BANK OF UNION 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 | 218,937,000 | 216,852,000 | 226,465,000 | 225,499,000 |
| Total loans | 168,775,000 | 170,314,000 | 176,791,000 | 179,241,000 |
| Allowance for loan losses | 2,633,000 | 2,849,000 | 2,956,000 | 2,968,000 |
| Securities available for sale | 37,854,000 | 33,843,000 | 33,393,000 | 33,312,000 |
| Securities held to maturity | 2,768,000 | 3,631,000 | 3,631,000 | 3,631,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,539,000 | 187,347,000 | 190,279,000 | 187,763,000 |
| Interest-bearing deposits | 165,554,000 | 161,654,000 | 166,993,000 | 163,553,000 |
| Noninterest-bearing deposits | 24,985,000 | 25,693,000 | 23,286,000 | 24,210,000 |
| Equity capital | 18,773,000 | 17,974,000 | 18,317,000 | 18,865,000 |
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 | 3,017,000 | 6,196,000 | 9,578,000 | 13,137,000 |
| Interest expense | 904,000 | 1,857,000 | 2,922,000 | 4,128,000 |
| Net interest income | 2,113,000 | 4,339,000 | 6,656,000 | 9,009,000 |
| Noninterest income | 310,000 | 668,000 | 1,009,000 | 1,357,000 |
| Noninterest expense | 1,297,000 | 2,583,000 | 3,952,000 | 5,117,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 710,000 |
| Pretax income | 946,000 | 2,064,000 | 3,173,000 | 4,539,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 946,000 | 2,064,000 | 3,173,000 | 4,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,131,000 | 18,159,000 | 18,518,000 | 19,134,000 |
| Total capital | 21,185,000 | 20,246,000 | 20,694,000 | 21,337,000 |
| Risk-weighted assets | 163,753,000 | 166,220,000 | 173,332,000 | 175,464,000 |