Call reports 2008
UNITED COMMERCE BANK — 2008
What UNITED COMMERCE 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 | 157,120,000 | 162,488,000 | 171,396,000 | 180,276,000 |
| Total loans | 135,435,000 | 144,828,000 | 153,087,000 | 159,543,000 |
| Allowance for loan losses | 1,785,000 | 1,907,000 | 2,017,000 | 2,118,000 |
| Securities available for sale | 11,774,000 | 11,250,000 | 11,794,000 | 12,784,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,894,000 | 134,966,000 | 144,669,000 | 153,089,000 |
| Interest-bearing deposits | 121,940,000 | 122,453,000 | 131,474,000 | 141,051,000 |
| Noninterest-bearing deposits | 11,954,000 | 12,513,000 | 13,195,000 | 12,038,000 |
| Equity capital | 12,450,000 | 12,629,000 | 12,883,000 | 13,203,000 |
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 | 2,551,000 | 4,965,000 | 7,427,000 | 9,862,000 |
| Interest expense | 1,284,000 | 2,359,000 | 3,438,000 | 4,492,000 |
| Net interest income | 1,267,000 | 2,606,000 | 3,989,000 | 5,370,000 |
| Noninterest income | 190,000 | 354,000 | 501,000 | 645,000 |
| Noninterest expense | 1,019,000 | 2,044,000 | 3,053,000 | 4,075,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 295,000 | 623,000 | 994,000 | 1,347,000 |
| Income tax | 102,000 | 209,000 | 333,000 | 449,000 |
| Net income | 193,000 | 414,000 | 661,000 | 898,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,338,000 | 12,660,000 | 12,906,000 | 13,143,000 |
| Total capital | 13,864,000 | 14,261,000 | 14,613,000 | 14,915,000 |
| Risk-weighted assets | 121,859,000 | 127,775,000 | 136,287,000 | 141,411,000 |
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