Call reports 2008
UWHARRIE BANK — 2008
What UWHARRIE 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 | 280,664,000 | 289,629,000 | 293,363,000 | 310,745,000 |
| Total loans | 226,148,000 | 233,951,000 | 236,887,000 | 237,497,000 |
| Allowance for loan losses | 2,554,000 | 2,584,000 | 3,077,000 | 3,329,000 |
| Securities available for sale | 31,112,000 | 30,870,000 | 28,164,000 | 46,006,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,678,000 | 231,770,000 | 242,112,000 | 249,318,000 |
| Interest-bearing deposits | 214,482,000 | 219,137,000 | 230,780,000 | 238,964,000 |
| Noninterest-bearing deposits | 11,196,000 | 12,633,000 | 11,332,000 | 10,354,000 |
| Equity capital | 25,145,000 | 25,565,000 | 25,498,000 | 29,295,000 |
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 | 4,627,000 | 9,077,000 | 13,480,000 | 17,831,000 |
| Interest expense | 1,797,000 | 3,357,000 | 4,866,000 | 6,325,000 |
| Net interest income | 2,830,000 | 5,720,000 | 8,614,000 | 11,506,000 |
| Noninterest income | 1,178,000 | 2,482,000 | 3,462,000 | 4,218,000 |
| Noninterest expense | 2,794,000 | 5,622,000 | 8,504,000 | 11,783,000 |
| Provision for loan losses | 78,000 | 205,000 | 739,000 | 1,005,000 |
| Pretax income | 1,136,000 | 2,375,000 | 2,833,000 | 2,936,000 |
| Income tax | 372,000 | 772,000 | 909,000 | 825,000 |
| Net income | 764,000 | 1,603,000 | 1,924,000 | 2,111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,889,000 | 25,728,000 | 26,049,000 | 30,176,000 |
| Total capital | 27,444,000 | 28,312,000 | 29,055,000 | 33,357,000 |
| Risk-weighted assets | 229,621,000 | 235,507,000 | 240,383,000 | 254,357,000 |