Call reports 2008
UNITED BANK — 2008
What UNITED 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 | 654,403,000 | 646,160,000 | 646,242,000 | 798,619,000 |
| Total loans | 473,771,000 | 484,134,000 | 494,793,000 | 501,802,000 |
| Allowance for loan losses | 8,668,000 | 8,941,000 | 9,217,000 | 9,636,000 |
| Securities available for sale | 108,911,000 | 110,234,000 | 107,760,000 | 178,828,000 |
| Securities held to maturity | 2,133,000 | 2,111,000 | 2,094,000 | 2,041,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 571,393,000 | 565,488,000 | 553,115,000 | 704,543,000 |
| Interest-bearing deposits | 475,068,000 | 464,815,000 | 464,607,000 | 608,899,000 |
| Noninterest-bearing deposits | 96,325,000 | 100,673,000 | 88,508,000 | 95,644,000 |
| Equity capital | 66,996,000 | 64,996,000 | 68,344,000 | 68,394,000 |
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 | 11,228,000 | 21,819,000 | 32,344,000 | 42,356,000 |
| Interest expense | 4,161,000 | 7,748,000 | 11,111,000 | 14,433,000 |
| Net interest income | 7,067,000 | 14,071,000 | 21,233,000 | 27,923,000 |
| Noninterest income | 3,179,000 | 6,130,000 | 8,872,000 | 11,625,000 |
| Noninterest expense | 5,815,000 | 11,818,000 | 17,795,000 | 24,287,000 |
| Provision for loan losses | 263,000 | 917,000 | 1,748,000 | 2,406,000 |
| Pretax income | 4,394,000 | 7,705,000 | 10,801,000 | 13,098,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 4,394,000 | 7,705,000 | 10,801,000 | 13,098,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,314,000 | 64,127,000 | 65,293,000 | 63,094,000 |
| Total capital | 69,165,000 | 69,729,000 | 70,992,000 | 69,599,000 |
| Risk-weighted assets | 482,950,000 | 487,163,000 | 497,057,000 | 532,262,000 |
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