Call reports 2008
UNITED NATIONAL BANK — 2008
What UNITED NATIONAL 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 | 141,616,000 | 150,197,000 | 156,484,000 | 151,344,000 |
| Total loans | 124,329,000 | 131,548,000 | 137,960,000 | 131,649,000 |
| Allowance for loan losses | 2,054,000 | 2,057,000 | 2,090,000 | 2,240,000 |
| Securities available for sale | 5,685,000 | 9,987,000 | 8,423,000 | 8,796,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,545,000 | 118,069,000 | 117,174,000 | 116,901,000 |
| Interest-bearing deposits | 103,312,000 | 108,232,000 | 108,032,000 | 105,296,000 |
| Noninterest-bearing deposits | 10,233,000 | 9,837,000 | 9,142,000 | 11,605,000 |
| Equity capital | 16,068,000 | 16,422,000 | 16,717,000 | 17,363,000 |
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 | 2,662,000 | 5,318,000 | 8,013,000 | 10,562,000 |
| Interest expense | 1,082,000 | 2,129,000 | 3,144,000 | 4,095,000 |
| Net interest income | 1,580,000 | 3,189,000 | 4,869,000 | 6,467,000 |
| Noninterest income | 166,000 | 347,000 | 649,000 | 789,000 |
| Noninterest expense | 1,008,000 | 2,039,000 | 3,120,000 | 3,805,000 |
| Provision for loan losses | 50,000 | 110,000 | 208,000 | 543,000 |
| Pretax income | 688,000 | 1,387,000 | 2,190,000 | 2,908,000 |
| Income tax | 274,000 | 558,000 | 889,000 | 1,165,000 |
| Net income | 414,000 | 829,000 | 1,301,000 | 1,743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,033,000 | 16,448,000 | 16,717,000 | 17,160,000 |
| Total capital | 17,547,000 | 18,090,000 | 18,377,000 | 18,787,000 |
| Risk-weighted assets | 120,612,000 | 130,939,000 | 132,354,000 | 129,526,000 |
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