Call reports 2009
UNITED BANK — 2009
What UNITED 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 | 69,812,000 | 69,020,000 | 69,556,000 | 66,791,000 |
| Total loans | 44,260,000 | 43,853,000 | 42,117,000 | 40,434,000 |
| Allowance for loan losses | 1,010,000 | 965,000 | 1,215,000 | 1,300,000 |
| Securities available for sale | 17,575,000 | 18,883,000 | 18,370,000 | 18,561,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,239,000 | 57,463,000 | 58,032,000 | 55,738,000 |
| Interest-bearing deposits | 52,032,000 | 51,039,000 | 51,347,000 | 49,824,000 |
| Noninterest-bearing deposits | 6,207,000 | 6,424,000 | 6,685,000 | 5,914,000 |
| Equity capital | 6,672,000 | 6,730,000 | 6,462,000 | 6,278,000 |
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 | 1,010,000 | 1,967,000 | 2,853,000 | 3,704,000 |
| Interest expense | 314,000 | 596,000 | 857,000 | 1,088,000 |
| Net interest income | 696,000 | 1,371,000 | 1,996,000 | 2,616,000 |
| Noninterest income | 68,000 | 135,000 | 202,000 | 257,000 |
| Noninterest expense | 555,000 | 1,182,000 | 1,811,000 | 2,421,000 |
| Provision for loan losses | 8,000 | 50,000 | 520,000 | 882,000 |
| Pretax income | 202,000 | 275,000 | -110,000 | -408,000 |
| Income tax | 74,000 | 96,000 | -63,000 | -206,000 |
| Net income | 128,000 | 179,000 | -47,000 | -202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,558,000 | 6,610,000 | 6,383,000 | 6,228,000 |
| Total capital | 7,164,000 | 7,208,000 | 6,977,000 | 6,807,000 |
| Risk-weighted assets | 48,090,000 | 47,433,000 | 46,935,000 | 45,588,000 |
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