Call reports 2007
UNICO BANK — 2007
What UNICO BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 179,904,000 | 182,475,000 | 181,817,000 | 177,557,000 |
| Total loans | 106,909,000 | 106,694,000 | 107,645,000 | 108,237,000 |
| Allowance for loan losses | 682,000 | 643,000 | 651,000 | 760,000 |
| Securities available for sale | 64,706,000 | 62,929,000 | 63,997,000 | 59,460,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,868,000 | 158,487,000 | 155,243,000 | 151,335,000 |
| Interest-bearing deposits | 140,193,000 | 144,030,000 | 141,260,000 | 136,558,000 |
| Noninterest-bearing deposits | 14,675,000 | 14,457,000 | 13,983,000 | 14,777,000 |
| Equity capital | 12,652,000 | 12,176,000 | 13,632,000 | 14,295,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,795,000 | 5,681,000 | 8,646,000 | 11,536,000 |
| Interest expense | 1,661,000 | 3,355,000 | 5,042,000 | 6,712,000 |
| Net interest income | 1,134,000 | 2,326,000 | 3,604,000 | 4,824,000 |
| Noninterest income | 271,000 | 633,000 | 1,013,000 | 1,454,000 |
| Noninterest expense | 942,000 | 1,902,000 | 2,915,000 | 4,231,000 |
| Provision for loan losses | 0 | 28,000 | 92,000 | 225,000 |
| Pretax income | 463,000 | 1,044,000 | 1,625,000 | 1,843,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 463,000 | 1,044,000 | 1,625,000 | 1,843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,909,000 | 14,210,000 | 14,599,000 | 14,807,000 |
| Total capital | 14,591,000 | 14,853,000 | 15,250,000 | 15,567,000 |
| Risk-weighted assets | 101,256,000 | 101,296,000 | 102,616,000 | 101,131,000 |
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