Call reports 2008
AMERICAS UNITED BANK — 2008
What AMERICAS 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 | 89,087,000 | 98,457,000 | 102,977,000 | 112,416,000 |
| Total loans | 66,919,000 | 69,843,000 | 72,738,000 | 85,958,000 |
| Allowance for loan losses | 863,000 | 1,131,000 | 1,374,000 | 1,441,000 |
| Securities available for sale | 12,181,000 | 11,539,000 | 10,427,000 | 9,859,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,221,000 | 64,489,000 | 69,475,000 | 79,176,000 |
| Interest-bearing deposits | 43,916,000 | 55,140,000 | 58,678,000 | 66,550,000 |
| Noninterest-bearing deposits | 10,305,000 | 9,349,000 | 10,797,000 | 12,626,000 |
| Equity capital | 25,060,000 | 24,199,000 | 23,876,000 | 23,491,000 |
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 | 1,225,000 | 2,573,000 | 4,036,000 | 5,577,000 |
| Interest expense | 376,000 | 809,000 | 1,292,000 | 1,801,000 |
| Net interest income | 849,000 | 1,764,000 | 2,744,000 | 3,776,000 |
| Noninterest income | 266,000 | 410,000 | 389,000 | 327,000 |
| Noninterest expense | 1,441,000 | 3,134,000 | 4,497,000 | 5,947,000 |
| Provision for loan losses | 307,000 | 575,000 | 818,000 | 1,031,000 |
| Pretax income | -601,000 | -1,503,000 | -2,095,000 | -2,788,000 |
| Income tax | 0 | 0 | 0 | 1,000 |
| Net income | -601,000 | -1,503,000 | -2,095,000 | -2,789,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,871,000 | 24,185,000 | 23,819,000 | 23,318,000 |
| Total capital | 25,822,000 | 25,273,000 | 24,922,000 | 24,580,000 |
| Risk-weighted assets | 80,507,000 | 86,844,000 | 87,889,000 | 100,653,000 |
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