Call reports 2005
UNITED BANK OF IOWA — 2005
What UNITED BANK OF IOWA 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 | 449,855,000 | 469,166,000 | 485,358,000 | 508,736,000 |
| Total loans | 392,738,000 | 414,520,000 | 430,661,000 | 457,285,000 |
| Allowance for loan losses | 4,264,000 | 4,506,000 | 5,097,000 | 4,848,000 |
| Securities available for sale | 15,190,000 | 11,192,000 | 10,138,000 | 9,134,000 |
| Securities held to maturity | 12,571,000 | 11,310,000 | 11,182,000 | 10,690,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 352,864,000 | 352,524,000 | 355,075,000 | 374,562,000 |
| Interest-bearing deposits | 317,865,000 | 319,137,000 | 320,667,000 | 334,117,000 |
| Noninterest-bearing deposits | 34,999,000 | 33,387,000 | 34,408,000 | 40,445,000 |
| Equity capital | 37,397,000 | 39,126,000 | 40,491,000 | 42,843,000 |
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 | 6,361,000 | 13,464,000 | 21,174,000 | 28,903,000 |
| Interest expense | 2,362,000 | 5,091,000 | 8,270,000 | 11,643,000 |
| Net interest income | 3,999,000 | 8,373,000 | 12,904,000 | 17,260,000 |
| Noninterest income | 1,009,000 | 1,959,000 | 3,358,000 | 4,333,000 |
| Noninterest expense | 2,287,000 | 4,542,000 | 6,973,000 | 9,623,000 |
| Provision for loan losses | 191,000 | 447,000 | 989,000 | 1,125,000 |
| Pretax income | 2,530,000 | 5,343,000 | 8,300,000 | 10,845,000 |
| Income tax | 107,000 | 246,000 | 399,000 | 527,000 |
| Net income | 2,423,000 | 5,097,000 | 7,901,000 | 10,318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,806,000 | 37,463,000 | 38,876,000 | 41,300,000 |
| Total capital | 40,070,000 | 41,969,000 | 43,973,000 | 46,148,000 |
| Risk-weighted assets | 388,837,000 | 405,278,000 | 429,056,000 | 451,224,000 |