Call reports 2009
UNITED BANK — 2009
What UNITED 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 | 500,459,000 | 529,325,000 | 466,258,000 | 456,450,000 |
| Total loans | 283,307,000 | 287,196,000 | 290,911,000 | 283,306,000 |
| Allowance for loan losses | 3,913,000 | 4,899,000 | 5,426,000 | 7,436,000 |
| Securities available for sale | 76,873,000 | 64,824,000 | 73,148,000 | 68,213,000 |
| Securities held to maturity | 29,088,000 | 28,021,000 | 21,938,000 | 15,659,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 444,924,000 | 474,875,000 | 411,458,000 | 405,366,000 |
| Interest-bearing deposits | 299,165,000 | 327,493,000 | 291,156,000 | 283,041,000 |
| Noninterest-bearing deposits | 145,759,000 | 147,382,000 | 120,302,000 | 122,326,000 |
| Equity capital | 50,813,000 | 49,505,000 | 49,823,000 | 46,820,000 |
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 | 5,203,000 | 10,464,000 | 15,615,000 | 20,777,000 |
| Interest expense | 1,917,000 | 3,706,000 | 5,376,000 | 6,860,000 |
| Net interest income | 3,286,000 | 6,758,000 | 10,239,000 | 13,917,000 |
| Noninterest income | 1,104,000 | 2,189,000 | 3,320,000 | 3,427,000 |
| Noninterest expense | 3,767,000 | 7,824,000 | 11,748,000 | 16,048,000 |
| Provision for loan losses | 360,000 | 2,600,000 | 4,500,000 | 8,268,000 |
| Pretax income | 263,000 | -1,305,000 | -2,514,000 | -6,796,000 |
| Income tax | -26,000 | -715,000 | -1,276,000 | -3,044,000 |
| Net income | 289,000 | -590,000 | -1,238,000 | -3,752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,558,000 | 48,679,000 | 48,038,000 | 41,092,000 |
| Total capital | 53,471,000 | 52,873,000 | 52,241,000 | 45,106,000 |
| Risk-weighted assets | 333,261,000 | 334,825,000 | 335,129,000 | 317,778,000 |
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