Call reports 2008
UNITED BANK OF MICHIGAN — 2008
What UNITED BANK OF MICHIGAN 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 | 416,696,000 | 418,344,000 | 432,546,000 | 428,324,000 |
| Total loans | 351,761,000 | 356,635,000 | 358,712,000 | 367,322,000 |
| Allowance for loan losses | 4,151,000 | 4,320,000 | 4,301,000 | 4,392,000 |
| Securities available for sale | 11,037,000 | 10,707,000 | 11,174,000 | 9,696,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 321,131,000 | 317,009,000 | 331,369,000 | 326,908,000 |
| Interest-bearing deposits | 283,749,000 | 279,674,000 | 297,657,000 | 293,270,000 |
| Noninterest-bearing deposits | 37,382,000 | 37,335,000 | 33,712,000 | 33,638,000 |
| Equity capital | 38,370,000 | 38,600,000 | 38,732,000 | 38,612,000 |
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 | 6,425,000 | 12,566,000 | 18,773,000 | 24,751,000 |
| Interest expense | 3,161,000 | 5,946,000 | 8,668,000 | 11,335,000 |
| Net interest income | 3,264,000 | 6,620,000 | 10,105,000 | 13,416,000 |
| Noninterest income | 896,000 | 2,168,000 | 2,768,000 | 3,585,000 |
| Noninterest expense | 3,246,000 | 6,556,000 | 9,869,000 | 13,283,000 |
| Provision for loan losses | 165,000 | 590,000 | 718,000 | 1,360,000 |
| Pretax income | 749,000 | 1,642,000 | 2,286,000 | 2,358,000 |
| Income tax | 194,000 | 466,000 | 638,000 | 575,000 |
| Net income | 555,000 | 1,176,000 | 1,648,000 | 1,783,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,604,000 | 37,896,000 | 38,073,000 | 38,427,000 |
| Total capital | 41,755,000 | 42,216,000 | 42,374,000 | 42,819,000 |
| Risk-weighted assets | 349,019,000 | 354,927,000 | 360,112,000 | 364,656,000 |
Machine access — free, no API key
Every figure shown here about UNITED BANK OF MICHIGAN — 2008 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.