Call reports 2008
UNITED AMERICAN BANK — 2008
What UNITED AMERICAN 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 | 257,570,000 | 275,586,000 | 292,966,000 | 296,652,000 |
| Total loans | 211,295,000 | 236,240,000 | 258,786,000 | 272,277,000 |
| Allowance for loan losses | 2,850,000 | 3,550,000 | 4,050,000 | 4,555,000 |
| Securities available for sale | 11,381,000 | 10,234,000 | 9,174,000 | 8,345,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,521,000 | 239,866,000 | 252,503,000 | 251,105,000 |
| Interest-bearing deposits | 200,394,000 | 205,797,000 | 216,471,000 | 209,145,000 |
| Noninterest-bearing deposits | 26,127,000 | 34,069,000 | 36,032,000 | 41,960,000 |
| Equity capital | 24,026,000 | 29,244,000 | 29,354,000 | 28,307,000 |
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 | 4,675,000 | 9,260,000 | 13,937,000 | 18,637,000 |
| Interest expense | 1,963,000 | 3,635,000 | 5,254,000 | 6,999,000 |
| Net interest income | 2,712,000 | 5,625,000 | 8,683,000 | 11,638,000 |
| Noninterest income | 94,000 | 152,000 | 214,000 | 270,000 |
| Noninterest expense | 2,491,000 | 5,076,000 | 7,576,000 | 10,325,000 |
| Provision for loan losses | 100,000 | 800,000 | 1,300,000 | 3,600,000 |
| Pretax income | 215,000 | -99,000 | 21,000 | -2,017,000 |
| Income tax | 82,000 | -63,000 | 16,000 | -770,000 |
| Net income | 133,000 | -36,000 | 5,000 | -1,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,644,000 | 28,945,000 | 29,061,000 | 27,897,000 |
| Total capital | 26,734,000 | 32,312,000 | 32,695,000 | 31,666,000 |
| Risk-weighted assets | 248,276,000 | 268,897,000 | 290,070,000 | 300,500,000 |
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