Call reports 2008
UNITI BANK — 2008
What UNITI 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 | 232,367,000 | 231,278,000 | 244,831,000 | 225,198,000 |
| Total loans | 214,725,000 | 204,612,000 | 195,137,000 | 185,264,000 |
| Allowance for loan losses | 2,490,000 | 2,541,000 | 2,976,000 | 3,751,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,477,000 | 6,390,000 | 9,899,000 | 11,830,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,781,000 | 179,226,000 | 191,896,000 | 173,380,000 |
| Interest-bearing deposits | 137,615,000 | 140,719,000 | 154,815,000 | 145,827,000 |
| Noninterest-bearing deposits | 43,166,000 | 38,507,000 | 37,081,000 | 27,553,000 |
| Equity capital | 27,878,000 | 28,224,000 | 29,596,000 | 28,693,000 |
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 | 4,152,000 | 7,853,000 | 11,448,000 | 14,672,000 |
| Interest expense | 1,863,000 | 3,405,000 | 5,043,000 | 6,588,000 |
| Net interest income | 2,289,000 | 4,448,000 | 6,405,000 | 8,084,000 |
| Noninterest income | 425,000 | 980,000 | 1,434,000 | 1,746,000 |
| Noninterest expense | 1,990,000 | 3,911,000 | 5,845,000 | 7,542,000 |
| Provision for loan losses | 478,000 | 677,000 | 1,065,000 | 2,811,000 |
| Pretax income | 246,000 | 840,000 | 929,000 | -523,000 |
| Income tax | 103,000 | 352,000 | 390,000 | -160,000 |
| Net income | 143,000 | 488,000 | 539,000 | -363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,809,000 | 28,150,000 | 29,521,000 | 28,620,000 |
| Total capital | 30,457,000 | 30,754,000 | 32,041,000 | 31,036,000 |
| Risk-weighted assets | 212,378,000 | 208,275,000 | 201,027,000 | 191,919,000 |