Call reports 2005
UNITED BANK, NATIONAL ASSOCIATION — 2005
What UNITED BANK, NATIONAL ASSOCIATION 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 | 251,892,000 | 241,486,000 | 232,598,000 | 228,716,000 |
| Total loans | 99,494,000 | 98,817,000 | 97,362,000 | 96,232,000 |
| Allowance for loan losses | 2,307,000 | 2,359,000 | 2,325,000 | 1,989,000 |
| Securities available for sale | 113,870,000 | 115,947,000 | 107,834,000 | 101,151,000 |
| Securities held to maturity | 10,445,000 | 10,445,000 | 9,252,000 | 8,533,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,891,000 | 190,405,000 | 184,888,000 | 180,273,000 |
| Interest-bearing deposits | 155,866,000 | 168,496,000 | 162,181,000 | 157,929,000 |
| Noninterest-bearing deposits | 23,025,000 | 21,909,000 | 22,707,000 | 22,344,000 |
| Equity capital | 15,275,000 | 17,022,000 | 16,656,000 | 13,178,000 |
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 | 2,992,000 | 6,209,000 | 9,353,000 | 12,512,000 |
| Interest expense | 758,000 | 1,822,000 | 2,822,000 | 3,906,000 |
| Net interest income | 2,234,000 | 4,387,000 | 6,531,000 | 8,606,000 |
| Noninterest income | 462,000 | 983,000 | 1,486,000 | 1,968,000 |
| Noninterest expense | 1,525,000 | 3,079,000 | 4,669,000 | 6,259,000 |
| Provision for loan losses | 10,000 | 70,000 | 130,000 | -160,000 |
| Pretax income | 1,161,000 | 2,221,000 | 3,218,000 | 4,475,000 |
| Income tax | 374,000 | 713,000 | 1,031,000 | 1,449,000 |
| Net income | 787,000 | 1,508,000 | 2,187,000 | 3,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,326,000 | 15,190,000 | 16,012,000 | 12,997,000 |
| Total capital | 15,889,000 | 16,711,000 | 17,522,000 | 14,505,000 |
| Risk-weighted assets | 124,277,000 | 120,874,000 | 120,005,000 | 120,157,000 |