Call reports 2008
UNITED BUSINESS BANK — 2008
What UNITED BUSINESS 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 | 102,238,000 | 98,651,000 | 104,150,000 | 108,885,000 |
| Total loans | 82,453,000 | 88,070,000 | 93,095,000 | 98,004,000 |
| Allowance for loan losses | 1,020,000 | 1,055,000 | 1,155,000 | 1,220,000 |
| Securities available for sale | 817,000 | 792,000 | 725,000 | 670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,497,000 | 77,837,000 | 80,670,000 | 87,812,000 |
| Interest-bearing deposits | 73,017,000 | 68,025,000 | 68,383,000 | 76,841,000 |
| Noninterest-bearing deposits | 8,479,000 | 9,812,000 | 12,287,000 | 10,972,000 |
| Equity capital | 15,372,000 | 15,446,000 | 15,531,000 | 15,629,000 |
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 | 1,499,000 | 2,878,000 | 4,334,000 | 5,764,000 |
| Interest expense | 567,000 | 1,029,000 | 1,535,000 | 2,046,000 |
| Net interest income | 932,000 | 1,849,000 | 2,799,000 | 3,718,000 |
| Noninterest income | 159,000 | 450,000 | 757,000 | 821,000 |
| Noninterest expense | 857,000 | 1,875,000 | 2,900,000 | 3,665,000 |
| Provision for loan losses | 30,000 | 108,000 | 208,000 | 273,000 |
| Pretax income | 204,000 | 316,000 | 448,000 | 601,000 |
| Income tax | 94,000 | 149,000 | 212,000 | 282,000 |
| Net income | 110,000 | 167,000 | 236,000 | 319,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,374,000 | 15,449,000 | 15,533,000 | 15,630,000 |
| Total capital | 16,394,000 | 16,504,000 | 16,688,000 | 16,850,000 |
| Risk-weighted assets | 90,967,000 | 95,215,000 | 97,264,000 | 102,829,000 |