Call reports 2009
UNITED COMMERCE BANK — 2009
What UNITED COMMERCE BANK 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 | 190,075,000 | 190,128,000 | 193,436,000 | 191,021,000 |
| Total loans | 165,396,000 | 169,558,000 | 171,094,000 | 171,769,000 |
| Allowance for loan losses | 2,253,000 | 2,446,000 | 2,494,000 | 3,080,000 |
| Securities available for sale | 13,974,000 | 13,088,000 | 12,918,000 | 12,645,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,584,000 | 167,493,000 | 167,542,000 | 162,024,000 |
| Interest-bearing deposits | 149,853,000 | 154,973,000 | 155,384,000 | 149,896,000 |
| Noninterest-bearing deposits | 12,731,000 | 12,520,000 | 12,158,000 | 12,128,000 |
| Equity capital | 13,613,000 | 13,876,000 | 14,192,000 | 14,258,000 |
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 | 2,362,000 | 4,747,000 | 7,090,000 | 9,437,000 |
| Interest expense | 876,000 | 1,668,000 | 2,435,000 | 3,119,000 |
| Net interest income | 1,486,000 | 3,079,000 | 4,655,000 | 6,318,000 |
| Noninterest income | 225,000 | 509,000 | 709,000 | 948,000 |
| Noninterest expense | 1,081,000 | 2,241,000 | 3,427,000 | 4,545,000 |
| Provision for loan losses | 150,000 | 360,000 | 660,000 | 1,285,000 |
| Pretax income | 480,000 | 1,066,000 | 1,360,000 | 1,616,000 |
| Income tax | 164,000 | 371,000 | 467,000 | 547,000 |
| Net income | 316,000 | 695,000 | 893,000 | 1,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,459,000 | 13,838,000 | 14,036,000 | 14,212,000 |
| Total capital | 15,263,000 | 15,680,000 | 15,906,000 | 16,109,000 |
| Risk-weighted assets | 143,863,000 | 146,776,000 | 148,984,000 | 150,597,000 |
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