Call reports 2008
NATIONAL UNITED — 2008
What NATIONAL UNITED 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 | 452,952,000 | 472,261,000 | 455,814,000 | 452,316,000 |
| Total loans | 301,671,000 | 298,789,000 | 297,787,000 | 301,623,000 |
| Allowance for loan losses | 2,461,000 | 2,689,000 | 2,879,000 | 3,394,000 |
| Securities available for sale | 57,469,000 | 52,601,000 | 61,239,000 | 60,024,000 |
| Securities held to maturity | 32,430,000 | 33,630,000 | 38,939,000 | 39,381,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 413,706,000 | 432,517,000 | 414,328,000 | 410,345,000 |
| Interest-bearing deposits | 385,862,000 | 352,850,000 | 389,984,000 | 341,278,000 |
| Noninterest-bearing deposits | 27,844,000 | 79,667,000 | 24,344,000 | 69,067,000 |
| Equity capital | 37,400,000 | 37,958,000 | 39,706,000 | 40,307,000 |
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 | 6,605,000 | 13,317,000 | 19,979,000 | 26,551,000 |
| Interest expense | 2,319,000 | 4,205,000 | 5,983,000 | 7,494,000 |
| Net interest income | 4,286,000 | 9,112,000 | 13,996,000 | 19,057,000 |
| Noninterest income | 1,279,000 | 2,946,000 | 4,620,000 | 6,175,000 |
| Noninterest expense | 3,818,000 | 7,492,000 | 11,136,000 | 14,992,000 |
| Provision for loan losses | 236,000 | 527,000 | 1,016,000 | 1,799,000 |
| Pretax income | 1,511,000 | 4,039,000 | 6,464,000 | 8,441,000 |
| Income tax | 412,000 | 1,270,000 | 1,903,000 | 2,434,000 |
| Net income | 1,099,000 | 2,769,000 | 4,561,000 | 6,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,459,000 | 37,666,000 | 38,996,000 | 39,507,000 |
| Total capital | 38,920,000 | 40,355,000 | 41,875,000 | 42,901,000 |
| Risk-weighted assets | 317,752,000 | 319,211,000 | 317,225,000 | 319,684,000 |