Call reports 2008
UNION STATE BANK OF EVEREST, THE — 2008
What UNION STATE BANK OF EVEREST, THE 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 | 101,562,000 | 102,180,000 | 111,195,000 | 110,504,000 |
| Total loans | 80,613,000 | 82,508,000 | 87,024,000 | 89,820,000 |
| Allowance for loan losses | 1,013,000 | 1,036,000 | 1,064,000 | 1,099,000 |
| Securities available for sale | 15,092,000 | 14,447,000 | 13,986,000 | 13,380,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,267,000 | 84,838,000 | 84,608,000 | 86,226,000 |
| Interest-bearing deposits | 77,693,000 | 74,725,000 | 76,615,000 | 75,121,000 |
| Noninterest-bearing deposits | 9,574,000 | 10,113,000 | 7,993,000 | 11,105,000 |
| Equity capital | 8,430,000 | 8,416,000 | 8,746,000 | 8,092,000 |
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 | 1,766,000 | 3,458,000 | 5,167,000 | 6,918,000 |
| Interest expense | 795,000 | 1,471,000 | 2,120,000 | 2,785,000 |
| Net interest income | 971,000 | 1,987,000 | 3,047,000 | 4,133,000 |
| Noninterest income | 194,000 | 423,000 | 691,000 | 926,000 |
| Noninterest expense | 773,000 | 1,505,000 | 2,357,000 | 3,199,000 |
| Provision for loan losses | 21,000 | 56,000 | 81,000 | 141,000 |
| Pretax income | 371,000 | 849,000 | 1,303,000 | 1,747,000 |
| Income tax | 24,000 | 39,000 | 59,000 | 78,000 |
| Net income | 347,000 | 810,000 | 1,244,000 | 1,669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,805,000 | 8,397,000 | 8,704,000 | 7,929,000 |
| Total capital | 8,754,000 | 9,372,000 | 9,746,000 | 9,017,000 |
| Risk-weighted assets | 75,861,000 | 77,901,000 | 83,345,000 | 87,036,000 |
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