Call reports 2006
UNITED BANK OF MICHIGAN — 2006
What UNITED BANK OF MICHIGAN reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 425,133,000 | 426,974,000 | 407,636,000 | 430,367,000 |
| Total loans | 366,307,000 | 360,819,000 | 353,146,000 | 372,946,000 |
| Allowance for loan losses | 4,307,000 | 4,271,000 | 4,265,000 | 4,281,000 |
| Securities available for sale | 11,526,000 | 12,061,000 | 12,202,000 | 12,178,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,143,000 | 348,634,000 | 328,568,000 | 350,804,000 |
| Interest-bearing deposits | 304,392,000 | 309,047,000 | 292,638,000 | 314,175,000 |
| Noninterest-bearing deposits | 37,751,000 | 39,587,000 | 35,930,000 | 36,629,000 |
| Equity capital | 35,761,000 | 36,209,000 | 36,866,000 | 37,036,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,899,000 | 14,035,000 | 21,152,000 | 28,298,000 |
| Interest expense | 2,881,000 | 5,871,000 | 9,021,000 | 12,318,000 |
| Net interest income | 4,018,000 | 8,164,000 | 12,131,000 | 15,980,000 |
| Noninterest income | 901,000 | 1,634,000 | 2,489,000 | 3,359,000 |
| Noninterest expense | 3,381,000 | 6,856,000 | 10,195,000 | 13,790,000 |
| Provision for loan losses | 58,000 | 160,000 | 230,000 | 520,000 |
| Pretax income | 1,480,000 | 2,782,000 | 4,195,000 | 5,029,000 |
| Income tax | 455,000 | 851,000 | 1,284,000 | 1,515,000 |
| Net income | 1,025,000 | 1,931,000 | 2,911,000 | 3,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,479,000 | 35,977,000 | 36,594,000 | 36,802,000 |
| Total capital | 39,786,000 | 40,248,000 | 40,841,000 | 41,083,000 |
| Risk-weighted assets | 349,128,000 | 347,630,000 | 339,727,000 | 362,155,000 |
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