Call reports 2008
UNITED PACIFIC BANK — 2008
What UNITED PACIFIC 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 | 133,506,000 | 123,254,000 | 137,246,000 | 169,381,000 |
| Total loans | 101,749,000 | 100,735,000 | 110,167,000 | 134,337,000 |
| Allowance for loan losses | 1,931,000 | 1,934,000 | 1,927,000 | 1,931,000 |
| Securities available for sale | 10,716,000 | 8,341,000 | 7,730,000 | 7,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,822,000 | 102,429,000 | 107,049,000 | 124,239,000 |
| Interest-bearing deposits | 107,562,000 | 98,618,000 | 103,847,000 | 121,228,000 |
| Noninterest-bearing deposits | 3,260,000 | 3,811,000 | 3,202,000 | 3,011,000 |
| Equity capital | 13,378,000 | 13,558,000 | 13,446,000 | 13,529,000 |
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 | 2,354,000 | 4,455,000 | 6,512,000 | 8,685,000 |
| Interest expense | 1,341,000 | 2,529,000 | 3,603,000 | 4,736,000 |
| Net interest income | 1,013,000 | 1,926,000 | 2,909,000 | 3,949,000 |
| Noninterest income | 54,000 | 97,000 | 139,000 | 186,000 |
| Noninterest expense | 981,000 | 1,907,000 | 2,755,000 | 3,699,000 |
| Provision for loan losses | 6,000 | 8,000 | 1,000 | 7,000 |
| Pretax income | 80,000 | 108,000 | 23,000 | -370,000 |
| Income tax | 5,000 | 5,000 | 6,000 | -374,000 |
| Net income | 75,000 | 103,000 | 17,000 | 4,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,852,000 | 13,897,000 | 13,841,000 | 13,474,000 |
| Total capital | 15,190,000 | 15,186,000 | 15,259,000 | 15,192,000 |
| Risk-weighted assets | 106,379,000 | 102,447,000 | 112,903,000 | 137,174,000 |