Call reports 2009
UNITED BANK OF MICHIGAN — 2009
What UNITED BANK OF MICHIGAN reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 437,222,000 | 424,828,000 | 421,995,000 | 435,022,000 |
| Total loans | 365,824,000 | 360,389,000 | 363,170,000 | 365,098,000 |
| Allowance for loan losses | 4,372,000 | 4,378,000 | 4,508,000 | 4,562,000 |
| Securities available for sale | 10,882,000 | 9,637,000 | 6,654,000 | 8,551,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,669,000 | 332,601,000 | 339,419,000 | 352,790,000 |
| Interest-bearing deposits | 299,320,000 | 295,645,000 | 305,508,000 | 313,566,000 |
| Noninterest-bearing deposits | 36,349,000 | 36,956,000 | 33,911,000 | 39,224,000 |
| Equity capital | 39,036,000 | 39,239,000 | 38,949,000 | 38,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,909,000 | 11,767,000 | 17,624,000 | 23,455,000 |
| Interest expense | 2,445,000 | 4,794,000 | 6,928,000 | 8,785,000 |
| Net interest income | 3,464,000 | 6,973,000 | 10,696,000 | 14,670,000 |
| Noninterest income | 1,360,000 | 2,903,000 | 3,728,000 | 4,187,000 |
| Noninterest expense | 3,478,000 | 7,305,000 | 11,111,000 | 14,753,000 |
| Provision for loan losses | 337,000 | 812,000 | 1,610,000 | 2,900,000 |
| Pretax income | 1,009,000 | 1,728,000 | 1,672,000 | 1,173,000 |
| Income tax | 293,000 | 491,000 | 427,000 | 173,000 |
| Net income | 716,000 | 1,237,000 | 1,245,000 | 1,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,849,000 | 39,039,000 | 38,737,000 | 37,691,000 |
| Total capital | 43,221,000 | 43,417,000 | 43,245,000 | 42,253,000 |
| Risk-weighted assets | 366,288,000 | 363,017,000 | 362,058,000 | 366,632,000 |
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