Call reports 2009
UNITED AMERICAN BANK — 2009
What UNITED AMERICAN 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 | 378,906,000 | 414,883,000 | 422,430,000 | 401,551,000 |
| Total loans | 274,538,000 | 283,394,000 | 285,609,000 | 283,715,000 |
| Allowance for loan losses | 4,653,000 | 6,862,000 | 6,498,000 | 7,835,000 |
| Securities available for sale | 7,255,000 | 8,393,000 | 7,332,000 | 6,266,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,414,000 | 357,664,000 | 370,446,000 | 359,019,000 |
| Interest-bearing deposits | 285,727,000 | 324,763,000 | 336,142,000 | 320,620,000 |
| Noninterest-bearing deposits | 34,686,000 | 32,901,000 | 34,304,000 | 38,399,000 |
| Equity capital | 36,944,000 | 35,073,000 | 34,880,000 | 31,318,000 |
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 | 4,241,000 | 8,531,000 | 12,933,000 | 17,303,000 |
| Interest expense | 1,859,000 | 4,022,000 | 6,147,000 | 7,854,000 |
| Net interest income | 2,382,000 | 4,509,000 | 6,786,000 | 9,449,000 |
| Noninterest income | 78,000 | 181,000 | 310,000 | 496,000 |
| Noninterest expense | 2,495,000 | 5,678,000 | 8,109,000 | 12,070,000 |
| Provision for loan losses | 100,000 | 2,500,000 | 2,850,000 | 4,250,000 |
| Pretax income | -135,000 | -3,488,000 | -3,863,000 | -6,375,000 |
| Income tax | -65,000 | -1,504,000 | -1,653,000 | -578,000 |
| Net income | -70,000 | -1,984,000 | -2,210,000 | -5,797,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,585,000 | 34,728,000 | 34,557,000 | 30,821,000 |
| Total capital | 40,515,000 | 38,972,000 | 38,442,000 | 34,662,000 |
| Risk-weighted assets | 313,478,000 | 336,666,000 | 308,009,000 | 303,261,000 |
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