Call reports 2007
UNITED BANK — 2007
What UNITED 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 | 1,238,400,000 | 1,270,009,000 | 1,334,493,000 | 1,324,357,000 |
| Total loans | 1,056,072,000 | 1,077,758,000 | 1,125,344,000 | 1,126,960,000 |
| Allowance for loan losses | 10,120,000 | 10,367,000 | 10,518,000 | 10,620,000 |
| Securities available for sale | 126,810,000 | 135,039,000 | 145,624,000 | 136,131,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 952,423,000 | 980,135,000 | 982,947,000 | 979,915,000 |
| Interest-bearing deposits | 855,928,000 | 879,511,000 | 888,026,000 | 878,735,000 |
| Noninterest-bearing deposits | 96,495,000 | 100,624,000 | 94,921,000 | 101,180,000 |
| Equity capital | 119,407,000 | 121,497,000 | 124,293,000 | 126,936,000 |
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 | 17,526,000 | 35,681,000 | 54,633,000 | 73,877,000 |
| Interest expense | 8,582,000 | 17,189,000 | 26,436,000 | 35,962,000 |
| Net interest income | 8,944,000 | 18,492,000 | 28,197,000 | 37,915,000 |
| Noninterest income | 1,136,000 | 2,354,000 | 3,613,000 | 4,920,000 |
| Noninterest expense | 7,097,000 | 14,370,000 | 21,889,000 | 29,674,000 |
| Provision for loan losses | 226,000 | 433,000 | 589,000 | 749,000 |
| Pretax income | 2,922,000 | 6,348,000 | 9,785,000 | 12,687,000 |
| Income tax | 969,000 | 2,103,000 | 3,252,000 | 4,198,000 |
| Net income | 1,953,000 | 4,245,000 | 6,533,000 | 8,489,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 119,560,000 | 121,853,000 | 124,142,000 | 126,099,000 |
| Total capital | 130,200,000 | 132,725,000 | 135,150,000 | 137,212,000 |
| Risk-weighted assets | 933,480,000 | 962,162,000 | 999,958,000 | 1,001,492,000 |
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