Call reports 2008
UNIBANK FOR SAVINGS — 2008
What UNIBANK FOR SAVINGS 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 | 664,437,000 | 749,965,000 | 733,348,000 | 748,724,000 |
| Total loans | 413,852,000 | 425,362,000 | 431,618,000 | 443,990,000 |
| Allowance for loan losses | 3,613,000 | 3,597,000 | 3,558,000 | 3,658,000 |
| Securities available for sale | 35,931,000 | 34,511,000 | 34,523,000 | 31,805,000 |
| Securities held to maturity | 112,766,000 | 125,023,000 | 113,274,000 | 122,274,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 592,486,000 | 677,777,000 | 662,215,000 | 676,791,000 |
| Interest-bearing deposits | 565,181,000 | 648,681,000 | 633,529,000 | 648,176,000 |
| Noninterest-bearing deposits | 27,305,000 | 29,096,000 | 28,686,000 | 28,615,000 |
| Equity capital | 58,984,000 | 59,349,000 | 58,468,000 | 56,507,000 |
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 | 7,987,000 | 16,084,000 | 24,474,000 | 32,548,000 |
| Interest expense | 3,094,000 | 5,982,000 | 8,759,000 | 11,242,000 |
| Net interest income | 4,893,000 | 10,102,000 | 15,715,000 | 21,306,000 |
| Noninterest income | 1,569,000 | 3,739,000 | 5,414,000 | 6,707,000 |
| Noninterest expense | 5,670,000 | 11,337,000 | 16,742,000 | 22,575,000 |
| Provision for loan losses | 15,000 | 40,000 | 290,000 | 540,000 |
| Pretax income | 1,120,000 | 2,934,000 | 3,363,000 | 4,421,000 |
| Income tax | 319,000 | 900,000 | 989,000 | 1,325,000 |
| Net income | 801,000 | 2,034,000 | 2,374,000 | 3,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,697,000 | 56,929,000 | 57,269,000 | 57,991,000 |
| Total capital | 60,759,000 | 61,668,000 | 61,565,000 | 61,743,000 |
| Risk-weighted assets | 473,065,000 | 509,294,000 | 505,667,000 | 503,705,000 |