Call reports 2008
UNB BANK — 2008
What UNB 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 | 112,393,000 | 118,280,000 | 117,334,000 | 115,038,000 |
| Total loans | 73,219,000 | 75,318,000 | 77,987,000 | 77,921,000 |
| Allowance for loan losses | 602,000 | 593,000 | 594,000 | 500,000 |
| Securities available for sale | 31,378,000 | 35,177,000 | 25,359,000 | 25,801,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,220,000 | 95,844,000 | 105,730,000 | 103,498,000 |
| Interest-bearing deposits | 81,603,000 | 84,031,000 | 94,280,000 | 85,672,000 |
| Noninterest-bearing deposits | 11,617,000 | 11,814,000 | 11,450,000 | 17,826,000 |
| Equity capital | 10,346,000 | 9,961,000 | 10,217,000 | 10,187,000 |
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 | 1,644,000 | 3,330,000 | 4,981,000 | 6,604,000 |
| Interest expense | 759,000 | 1,491,000 | 2,233,000 | 2,924,000 |
| Net interest income | 885,000 | 1,839,000 | 2,748,000 | 3,680,000 |
| Noninterest income | 123,000 | 386,000 | 522,000 | 656,000 |
| Noninterest expense | 780,000 | 1,556,000 | 2,353,000 | 3,197,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 46,000 |
| Pretax income | 238,000 | 683,000 | 1,000,000 | 1,185,000 |
| Income tax | 76,000 | 175,000 | 280,000 | 340,000 |
| Net income | 162,000 | 508,000 | 720,000 | 845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,852,000 | 10,139,000 | 10,352,000 | 10,305,000 |
| Total capital | 10,454,000 | 10,732,000 | 10,946,000 | 10,805,000 |
| Risk-weighted assets | 66,125,000 | 69,919,000 | 68,435,000 | 67,534,000 |