Call reports 2007
UNITED NATIONAL BANK — 2007
What UNITED NATIONAL 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 | 127,689,000 | 128,688,000 | 133,020,000 | 142,616,000 |
| Total loans | 116,987,000 | 117,954,000 | 120,603,000 | 122,787,000 |
| Allowance for loan losses | 1,939,000 | 1,901,000 | 1,983,000 | 1,981,000 |
| Securities available for sale | 1,537,000 | 1,653,000 | 4,099,000 | 4,764,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,625,000 | 97,429,000 | 95,426,000 | 110,938,000 |
| Interest-bearing deposits | 85,842,000 | 85,167,000 | 85,534,000 | 99,507,000 |
| Noninterest-bearing deposits | 9,783,000 | 12,262,000 | 9,892,000 | 11,431,000 |
| Equity capital | 14,092,000 | 14,471,000 | 15,051,000 | 15,606,000 |
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 | 2,731,000 | 5,608,000 | 8,501,000 | 11,390,000 |
| Interest expense | 1,012,000 | 2,058,000 | 3,150,000 | 4,300,000 |
| Net interest income | 1,719,000 | 3,550,000 | 5,351,000 | 7,090,000 |
| Noninterest income | 135,000 | 297,000 | 461,000 | 622,000 |
| Noninterest expense | 893,000 | 1,807,000 | 2,777,000 | 3,759,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 220,000 |
| Pretax income | 901,000 | 1,920,000 | 2,855,000 | 3,733,000 |
| Income tax | 358,000 | 763,000 | 1,137,000 | 1,461,000 |
| Net income | 543,000 | 1,157,000 | 1,718,000 | 2,272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,092,000 | 14,504,000 | 15,065,000 | 15,619,000 |
| Total capital | 15,525,000 | 15,939,000 | 16,532,000 | 17,125,000 |
| Risk-weighted assets | 114,135,000 | 114,351,000 | 116,879,000 | 119,991,000 |
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