Call reports 2009
UNITED PACIFIC BANK — 2009
What UNITED PACIFIC 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 | 169,123,000 | 162,530,000 | 164,810,000 | 164,814,000 |
| Total loans | 129,929,000 | 130,182,000 | 128,848,000 | 123,004,000 |
| Allowance for loan losses | 2,101,000 | 2,130,000 | 2,904,000 | 2,609,000 |
| Securities available for sale | 6,660,000 | 5,921,000 | 5,546,000 | 7,319,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,056,000 | 121,536,000 | 123,382,000 | 126,714,000 |
| Interest-bearing deposits | 124,067,000 | 118,159,000 | 120,140,000 | 124,200,000 |
| Noninterest-bearing deposits | 2,989,000 | 3,378,000 | 3,242,000 | 2,514,000 |
| Equity capital | 13,489,000 | 13,688,000 | 13,427,000 | 12,005,000 |
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 | 2,335,000 | 4,577,000 | 6,803,000 | 8,955,000 |
| Interest expense | 1,197,000 | 2,273,000 | 3,260,000 | 4,083,000 |
| Net interest income | 1,138,000 | 2,304,000 | 3,543,000 | 4,872,000 |
| Noninterest income | 43,000 | 97,000 | 182,000 | 237,000 |
| Noninterest expense | 915,000 | 2,011,000 | 2,805,000 | 3,905,000 |
| Provision for loan losses | 171,000 | 200,000 | 1,100,000 | 2,200,000 |
| Pretax income | -7,000 | 88,000 | -282,000 | -1,098,000 |
| Income tax | -42,000 | -42,000 | 0 | 659,000 |
| Net income | 35,000 | 130,000 | -282,000 | -1,757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,468,000 | 13,563,000 | 13,191,000 | 12,071,000 |
| Total capital | 15,136,000 | 15,206,000 | 14,835,000 | 13,692,000 |
| Risk-weighted assets | 132,980,000 | 130,891,000 | 130,324,000 | 128,701,000 |