Call reports 2008
UNION BANK OF BENTON, THE — 2008
What UNION BANK OF BENTON, THE 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 | 240,092,000 | 237,224,000 | 237,525,000 | 229,233,000 |
| Total loans | 91,807,000 | 89,495,000 | 85,781,000 | 86,062,000 |
| Allowance for loan losses | 1,274,000 | 1,311,000 | 535,000 | 532,000 |
| Securities available for sale | 111,777,000 | 113,521,000 | 108,033,000 | 85,554,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,914,000 | 194,625,000 | 186,397,000 | 178,136,000 |
| Interest-bearing deposits | 164,062,000 | 157,550,000 | 157,085,000 | 150,326,000 |
| Noninterest-bearing deposits | 33,852,000 | 37,075,000 | 29,312,000 | 27,810,000 |
| Equity capital | 17,927,000 | 16,667,000 | 28,532,000 | 28,270,000 |
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 | 3,135,000 | 6,192,000 | 1,893,000 | 4,542,000 |
| Interest expense | 1,352,000 | 2,499,000 | 669,000 | 1,573,000 |
| Net interest income | 1,783,000 | 3,693,000 | 1,224,000 | 2,969,000 |
| Noninterest income | 298,000 | 598,000 | 211,000 | 505,000 |
| Noninterest expense | 1,482,000 | 2,948,000 | 1,400,000 | 2,976,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 596,000 | 1,340,000 | 35,000 | 518,000 |
| Income tax | 168,000 | 377,000 | 2,000 | 65,000 |
| Net income | 428,000 | 963,000 | 33,000 | 453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,370,000 | 17,905,000 | 19,147,000 | 19,780,000 |
| Total capital | 18,644,000 | 19,216,000 | 19,682,000 | 20,312,000 |
| Risk-weighted assets | 124,109,000 | 122,801,000 | 120,474,000 | 117,602,000 |