Call reports 2008
UNITED BANK — 2008
What UNITED 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 | 76,904,000 | 73,676,000 | 73,708,000 | 69,193,000 |
| Total loans | 54,604,000 | 50,916,000 | 46,799,000 | 46,162,000 |
| Allowance for loan losses | 1,000,000 | 1,250,000 | 800,000 | 1,050,000 |
| Securities available for sale | 10,513,000 | 14,274,000 | 17,333,000 | 15,897,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,085,000 | 61,552,000 | 61,838,000 | 57,688,000 |
| Interest-bearing deposits | 57,600,000 | 55,331,000 | 55,199,000 | 51,468,000 |
| Noninterest-bearing deposits | 6,485,000 | 6,221,000 | 6,639,000 | 6,220,000 |
| Equity capital | 6,792,000 | 6,680,000 | 6,742,000 | 6,598,000 |
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 | 1,326,000 | 2,490,000 | 3,587,000 | 4,612,000 |
| Interest expense | 587,000 | 1,087,000 | 1,533,000 | 1,935,000 |
| Net interest income | 739,000 | 1,403,000 | 2,054,000 | 2,677,000 |
| Noninterest income | 74,000 | 345,000 | 447,000 | 516,000 |
| Noninterest expense | 586,000 | 1,195,000 | 1,784,000 | 2,644,000 |
| Provision for loan losses | 0 | 250,000 | 444,000 | 776,000 |
| Pretax income | 291,000 | 379,000 | 351,000 | -149,000 |
| Income tax | 108,000 | 133,000 | 116,000 | -117,000 |
| Net income | 183,000 | 246,000 | 235,000 | -32,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,645,000 | 6,708,000 | 6,698,000 | 6,429,000 |
| Total capital | 7,360,000 | 7,360,000 | 7,325,000 | 7,055,000 |
| Risk-weighted assets | 56,944,000 | 51,568,000 | 49,986,000 | 49,599,000 |
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