Call reports 2004
UNITED BANK, NATIONAL ASSOCIATION — 2004
What UNITED BANK, NATIONAL ASSOCIATION 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 | 240,715,000 | 242,870,000 | 242,282,000 | 236,658,000 |
| Total loans | 94,273,000 | 101,643,000 | 103,772,000 | 101,628,000 |
| Allowance for loan losses | 2,178,000 | 2,266,000 | 2,247,000 | 2,261,000 |
| Securities available for sale | 129,892,000 | 126,334,000 | 121,820,000 | 119,842,000 |
| Securities held to maturity | 682,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,135,000 | 196,572,000 | 191,729,000 | 182,578,000 |
| Interest-bearing deposits | 163,119,000 | 170,965,000 | 168,162,000 | 158,058,000 |
| Noninterest-bearing deposits | 28,016,000 | 25,607,000 | 23,567,000 | 24,520,000 |
| Equity capital | 17,709,000 | 15,735,000 | 18,296,000 | 15,709,000 |
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 | 3,091,000 | 6,277,000 | 9,376,000 | 12,464,000 |
| Interest expense | 609,000 | 1,180,000 | 1,777,000 | 2,390,000 |
| Net interest income | 2,482,000 | 5,097,000 | 7,599,000 | 10,074,000 |
| Noninterest income | 460,000 | 909,000 | 1,344,000 | 1,788,000 |
| Noninterest expense | 1,539,000 | 3,014,000 | 4,501,000 | 6,268,000 |
| Provision for loan losses | 0 | 140,000 | 230,000 | 320,000 |
| Pretax income | 1,403,000 | 2,852,000 | 4,212,000 | 5,208,000 |
| Income tax | 455,000 | 928,000 | 1,369,000 | 1,685,000 |
| Net income | 948,000 | 1,924,000 | 2,843,000 | 3,523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,587,000 | 14,708,000 | 15,771,000 | 13,394,000 |
| Total capital | 15,070,000 | 16,271,000 | 17,373,000 | 14,942,000 |
| Risk-weighted assets | 117,961,000 | 124,310,000 | 127,490,000 | 123,106,000 |