Call reports 2008
UNITED BANK — 2008
What UNITED BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,369,808,000 | 1,455,450,000 | 1,501,635,000 | 1,533,089,000 |
| Total loans | 1,144,734,000 | 1,201,924,000 | 1,262,008,000 | 1,304,367,000 |
| Allowance for loan losses | 10,748,000 | 10,915,000 | 11,220,000 | 12,553,000 |
| Securities available for sale | 145,538,000 | 162,796,000 | 146,397,000 | 141,009,000 |
| Securities held to maturity | 14,746,000 | 25,123,000 | 24,550,000 | 24,138,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,026,225,000 | 1,050,254,000 | 1,016,069,000 | 1,056,005,000 |
| Interest-bearing deposits | 925,435,000 | 937,278,000 | 901,426,000 | 938,226,000 |
| Noninterest-bearing deposits | 100,790,000 | 112,976,000 | 114,643,000 | 117,779,000 |
| Equity capital | 127,751,000 | 128,239,000 | 123,807,000 | 131,605,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 18,893,000 | 37,886,000 | 57,562,000 | 77,546,000 |
| Interest expense | 9,251,000 | 18,043,000 | 26,573,000 | 35,169,000 |
| Net interest income | 9,642,000 | 19,843,000 | 30,989,000 | 42,377,000 |
| Noninterest income | 1,277,000 | 2,640,000 | 4,069,000 | 5,515,000 |
| Noninterest expense | 9,215,000 | 17,404,000 | 25,510,000 | 33,196,000 |
| Provision for loan losses | 124,000 | 249,000 | 949,000 | 2,393,000 |
| Pretax income | 1,770,000 | 3,946,000 | -3,670,000 | -2,197,000 |
| Income tax | 577,000 | 1,292,000 | -1,068,000 | -838,000 |
| Net income | 1,193,000 | 2,654,000 | -2,602,000 | -1,359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 127,291,000 | 128,753,000 | 123,498,000 | 134,621,000 |
| Total capital | 138,537,000 | 140,234,000 | 135,286,000 | 147,898,000 |
| Risk-weighted assets | 1,036,272,000 | 1,094,531,000 | 1,133,678,000 | 1,155,630,000 |
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