Call reports 2008
UNITED AMERICAS BANK, NATIONAL ASSOCIATION — 2008
What UNITED AMERICAS BANK, NATIONAL ASSOCIATION 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 | 234,627,000 | 239,501,000 | 239,653,000 | 241,079,000 |
| Total loans | 215,290,000 | 221,352,000 | 220,605,000 | 218,940,000 |
| Allowance for loan losses | 2,348,000 | 2,351,000 | 2,376,000 | 2,596,000 |
| Securities available for sale | 6,355,000 | 6,152,000 | 5,947,000 | 5,589,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,591,000 | 153,207,000 | 155,764,000 | 155,324,000 |
| Interest-bearing deposits | 141,907,000 | 140,170,000 | 144,015,000 | 144,467,000 |
| Noninterest-bearing deposits | 12,684,000 | 13,037,000 | 11,749,000 | 10,857,000 |
| Equity capital | 18,015,000 | 20,171,000 | 20,227,000 | 20,157,000 |
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 | 4,106,000 | 7,916,000 | 11,717,000 | 15,077,000 |
| Interest expense | 2,243,000 | 4,226,000 | 6,153,000 | 7,909,000 |
| Net interest income | 1,863,000 | 3,690,000 | 5,564,000 | 7,168,000 |
| Noninterest income | 243,000 | 480,000 | 779,000 | 911,000 |
| Noninterest expense | 2,330,000 | 3,938,000 | 5,717,000 | 7,071,000 |
| Provision for loan losses | 135,000 | 285,000 | 486,000 | 833,000 |
| Pretax income | -359,000 | -53,000 | 141,000 | 175,000 |
| Income tax | -137,000 | -24,000 | 49,000 | -5,000 |
| Net income | -222,000 | -29,000 | 92,000 | 181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,070,000 | 20,262,000 | 20,383,000 | 20,473,000 |
| Total capital | 20,418,000 | 22,612,000 | 22,759,000 | 23,044,000 |
| Risk-weighted assets | 199,069,000 | 202,788,000 | 202,542,000 | 205,722,000 |