Call reports 2007
UNITED AMERICAN BANK — 2007
What UNITED AMERICAN 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 | 216,524,000 | 225,526,000 | 242,871,000 | 255,779,000 |
| Total loans | 171,975,000 | 185,664,000 | 196,489,000 | 205,276,000 |
| Allowance for loan losses | 2,125,000 | 2,325,000 | 2,525,000 | 2,750,000 |
| Securities available for sale | 11,890,000 | 13,870,000 | 13,060,000 | 12,195,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,956,000 | 195,799,000 | 212,435,000 | 224,856,000 |
| Interest-bearing deposits | 165,970,000 | 171,172,000 | 189,447,000 | 195,189,000 |
| Noninterest-bearing deposits | 20,986,000 | 24,627,000 | 22,988,000 | 29,667,000 |
| Equity capital | 22,356,000 | 22,748,000 | 23,282,000 | 23,705,000 |
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 | 4,581,000 | 9,380,000 | 14,485,000 | 19,631,000 |
| Interest expense | 1,926,000 | 3,997,000 | 6,154,000 | 8,344,000 |
| Net interest income | 2,655,000 | 5,383,000 | 8,331,000 | 11,287,000 |
| Noninterest income | 19,000 | 63,000 | 85,000 | 157,000 |
| Noninterest expense | 1,931,000 | 3,933,000 | 6,143,000 | 8,533,000 |
| Provision for loan losses | 175,000 | 375,000 | 575,000 | 800,000 |
| Pretax income | 568,000 | 1,138,000 | 1,698,000 | 2,111,000 |
| Income tax | 222,000 | 443,000 | 664,000 | 822,000 |
| Net income | 346,000 | 695,000 | 1,034,000 | 1,289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,314,000 | 22,725,000 | 23,130,000 | 23,457,000 |
| Total capital | 24,639,000 | 25,250,000 | 25,875,000 | 26,447,000 |
| Risk-weighted assets | 194,001,000 | 212,476,000 | 229,753,000 | 239,349,000 |