Call reports 2004
UNITED BANK OF IOWA — 2004
What UNITED BANK OF IOWA 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 | 404,293,000 | 400,662,000 | 412,836,000 | 442,263,000 |
| Total loans | 323,983,000 | 345,056,000 | 352,933,000 | 374,631,000 |
| Allowance for loan losses | 3,619,000 | 3,733,000 | 3,830,000 | 4,052,000 |
| Securities available for sale | 15,514,000 | 15,105,000 | 13,572,000 | 22,333,000 |
| Securities held to maturity | 14,205,000 | 12,295,000 | 12,037,000 | 11,763,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,015,000 | 311,590,000 | 319,308,000 | 337,422,000 |
| Interest-bearing deposits | 291,962,000 | 282,703,000 | 286,943,000 | 296,418,000 |
| Noninterest-bearing deposits | 31,053,000 | 28,887,000 | 32,365,000 | 41,004,000 |
| Equity capital | 33,881,000 | 33,359,000 | 33,817,000 | 35,881,000 |
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 | 5,319,000 | 10,803,000 | 16,579,000 | 22,700,000 |
| Interest expense | 1,837,000 | 3,637,000 | 5,570,000 | 7,745,000 |
| Net interest income | 3,482,000 | 7,166,000 | 11,009,000 | 14,955,000 |
| Noninterest income | 1,089,000 | 1,898,000 | 2,837,000 | 3,795,000 |
| Noninterest expense | 2,088,000 | 4,328,000 | 6,409,000 | 8,841,000 |
| Provision for loan losses | 158,000 | 276,000 | 397,000 | 719,000 |
| Pretax income | 2,325,000 | 4,460,000 | 7,040,000 | 9,190,000 |
| Income tax | 91,000 | 206,000 | 334,000 | 492,000 |
| Net income | 2,234,000 | 4,254,000 | 6,706,000 | 8,698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,963,000 | 31,686,000 | 32,050,000 | 34,177,000 |
| Total capital | 35,582,000 | 35,419,000 | 35,880,000 | 38,229,000 |
| Risk-weighted assets | 333,257,000 | 342,679,000 | 348,312,000 | 367,413,000 |