Call reports 2007
UNITED BANK OF MICHIGAN — 2007
What UNITED BANK OF MICHIGAN 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 | 425,130,000 | 423,708,000 | 421,143,000 | 417,809,000 |
| Total loans | 372,772,000 | 366,441,000 | 365,097,000 | 362,523,000 |
| Allowance for loan losses | 4,238,000 | 4,123,000 | 4,182,000 | 4,106,000 |
| Securities available for sale | 12,196,000 | 11,873,000 | 11,713,000 | 11,441,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 345,856,000 | 339,027,000 | 336,218,000 | 307,123,000 |
| Interest-bearing deposits | 309,073,000 | 301,645,000 | 302,235,000 | 273,737,000 |
| Noninterest-bearing deposits | 36,783,000 | 37,382,000 | 33,983,000 | 33,386,000 |
| Equity capital | 37,229,000 | 37,711,000 | 38,077,000 | 37,541,000 |
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 | 7,092,000 | 14,019,000 | 21,120,000 | 27,949,000 |
| Interest expense | 3,551,000 | 7,028,000 | 10,594,000 | 14,046,000 |
| Net interest income | 3,541,000 | 6,991,000 | 10,526,000 | 13,903,000 |
| Noninterest income | 821,000 | 1,668,000 | 2,464,000 | 2,763,000 |
| Noninterest expense | 3,489,000 | 6,895,000 | 10,224,000 | 13,461,000 |
| Provision for loan losses | 195,000 | 390,000 | 520,000 | 1,500,000 |
| Pretax income | 678,000 | 1,374,000 | 2,246,000 | 1,708,000 |
| Income tax | 179,000 | 364,000 | 611,000 | 343,000 |
| Net income | 499,000 | 1,010,000 | 1,635,000 | 1,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,012,000 | 37,540,000 | 37,886,000 | 37,340,000 |
| Total capital | 41,250,000 | 41,663,000 | 42,068,000 | 41,446,000 |
| Risk-weighted assets | 363,164,000 | 359,438,000 | 358,243,000 | 354,624,000 |
Machine access — free, no API key
Every figure shown here about UNITED BANK OF MICHIGAN — 2007 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.