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 | 483,258,000 | 488,493,000 | 464,240,000 | 549,125,000 |
| Total loans | 284,219,000 | 289,033,000 | 294,177,000 | 279,948,000 |
| Allowance for loan losses | 3,903,000 | 2,582,000 | 3,151,000 | 3,592,000 |
| Securities available for sale | 124,574,000 | 125,964,000 | 111,156,000 | 88,805,000 |
| Securities held to maturity | 0 | 0 | 1,050,000 | 6,550,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 344,954,000 | 371,582,000 | 356,307,000 | 492,313,000 |
| Interest-bearing deposits | 283,871,000 | 310,430,000 | 294,209,000 | 318,155,000 |
| Noninterest-bearing deposits | 61,083,000 | 61,152,000 | 62,098,000 | 174,158,000 |
| Equity capital | 41,487,000 | 41,234,000 | 41,212,000 | 50,703,000 |
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 | 6,632,000 | 12,816,000 | 19,209,000 | 24,662,000 |
| Interest expense | 3,047,000 | 5,636,000 | 8,136,000 | 10,334,000 |
| Net interest income | 3,585,000 | 7,180,000 | 11,073,000 | 14,328,000 |
| Noninterest income | 1,115,000 | 2,173,000 | 3,302,000 | 4,391,000 |
| Noninterest expense | 3,981,000 | 7,750,000 | 11,765,000 | 15,673,000 |
| Provision for loan losses | 240,000 | 740,000 | 1,490,000 | 2,300,000 |
| Pretax income | 482,000 | 863,000 | 1,120,000 | 1,011,000 |
| Income tax | 54,000 | 70,000 | 27,000 | -125,000 |
| Net income | 428,000 | 793,000 | 1,093,000 | 1,136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,951,000 | 40,319,000 | 40,454,000 | 49,260,000 |
| Total capital | 43,854,000 | 42,901,000 | 43,605,000 | 52,852,000 |
| Risk-weighted assets | 332,742,000 | 338,074,000 | 343,411,000 | 332,866,000 |
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