Call reports 2005
UNION COLONY BANK — 2005
What UNION COLONY 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 | 466,260,000 | 453,856,000 | 445,156,000 | 440,793,000 |
| Total loans | 328,536,000 | 342,072,000 | 303,089,000 | 289,297,000 |
| Allowance for loan losses | 3,817,000 | 3,532,000 | 2,139,000 | 2,135,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 71,720,000 | 51,619,000 | 53,520,000 | 59,223,000 |
| Trading assets | 6,893,000 | 6,439,000 | 0 | 0 |
| Total deposits | 381,721,000 | 389,039,000 | 382,923,000 | 383,194,000 |
| Interest-bearing deposits | 352,685,000 | 361,351,000 | 353,698,000 | 349,465,000 |
| Noninterest-bearing deposits | 29,036,000 | 27,688,000 | 29,225,000 | 33,729,000 |
| Equity capital | 49,378,000 | 50,235,000 | 48,029,000 | 47,714,000 |
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 | 6,382,000 | 13,162,000 | 19,361,000 | 25,457,000 |
| Interest expense | 1,504,000 | 3,231,000 | 5,133,000 | 7,269,000 |
| Net interest income | 4,878,000 | 9,931,000 | 14,228,000 | 18,188,000 |
| Noninterest income | 1,290,000 | 2,470,000 | 4,119,000 | 5,423,000 |
| Noninterest expense | 3,830,000 | 7,873,000 | 11,884,000 | 15,913,000 |
| Provision for loan losses | 841,000 | 1,699,000 | 766,000 | 945,000 |
| Pretax income | 1,497,000 | 2,829,000 | 5,697,000 | 6,753,000 |
| Income tax | 533,000 | 1,008,000 | 2,082,000 | 2,453,000 |
| Net income | 964,000 | 1,821,000 | 3,615,000 | 4,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,286,000 | 34,235,000 | 32,121,000 | 31,898,000 |
| Total capital | 37,164,000 | 37,827,000 | 34,318,000 | 34,092,000 |
| Risk-weighted assets | 370,300,000 | 369,495,000 | 329,239,000 | 310,661,000 |