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 | 202,021,000 | 213,373,000 | 218,182,000 | 225,812,000 |
| Total loans | 157,974,000 | 166,320,000 | 171,744,000 | 178,333,000 |
| Allowance for loan losses | 1,972,000 | 2,031,000 | 2,135,000 | 2,292,000 |
| Securities available for sale | 21,746,000 | 29,916,000 | 26,091,000 | 29,850,000 |
| Securities held to maturity | 70,000 | 70,000 | 70,000 | 35,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,201,000 | 170,433,000 | 176,588,000 | 176,693,000 |
| Interest-bearing deposits | 149,052,000 | 157,050,000 | 164,970,000 | 162,642,000 |
| Noninterest-bearing deposits | 11,149,000 | 13,383,000 | 11,618,000 | 14,051,000 |
| Equity capital | 16,831,000 | 16,917,000 | 17,243,000 | 17,513,000 |
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 | 3,535,000 | 6,924,000 | 10,405,000 | 14,002,000 |
| Interest expense | 1,693,000 | 3,164,000 | 4,653,000 | 6,223,000 |
| Net interest income | 1,842,000 | 3,760,000 | 5,752,000 | 7,779,000 |
| Noninterest income | 447,000 | 852,000 | 1,243,000 | 1,732,000 |
| Noninterest expense | 1,438,000 | 2,823,000 | 4,384,000 | 5,966,000 |
| Provision for loan losses | 90,000 | 245,000 | 409,000 | 1,033,000 |
| Pretax income | 761,000 | 1,544,000 | 2,199,000 | 2,509,000 |
| Income tax | 194,000 | 406,000 | 626,000 | 699,000 |
| Net income | 567,000 | 1,138,000 | 1,573,000 | 1,810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,611,000 | 16,979,000 | 17,260,000 | 17,497,000 |
| Total capital | 18,583,000 | 19,010,000 | 19,395,000 | 19,789,000 |
| Risk-weighted assets | 171,936,000 | 181,848,000 | 184,814,000 | 189,880,000 |
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