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 | 425,145,000 | 403,510,000 | 408,026,000 | 456,810,000 |
| Total loans | 242,763,000 | 254,522,000 | 262,718,000 | 267,169,000 |
| Allowance for loan losses | 3,087,000 | 3,189,000 | 3,309,000 | 3,981,000 |
| Securities available for sale | 129,801,000 | 109,098,000 | 96,838,000 | 111,922,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,342,000 | 320,056,000 | 331,469,000 | 369,425,000 |
| Interest-bearing deposits | 258,935,000 | 253,998,000 | 265,154,000 | 305,511,000 |
| Noninterest-bearing deposits | 66,406,000 | 66,058,000 | 66,315,000 | 63,914,000 |
| Equity capital | 40,817,000 | 39,881,000 | 40,960,000 | 40,977,000 |
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 | 6,776,000 | 13,898,000 | 20,769,000 | 27,180,000 |
| Interest expense | 2,983,000 | 6,193,000 | 9,319,000 | 12,437,000 |
| Net interest income | 3,793,000 | 7,705,000 | 11,450,000 | 14,743,000 |
| Noninterest income | 901,000 | 1,836,000 | 2,903,000 | 3,996,000 |
| Noninterest expense | 3,572,000 | 7,368,000 | 11,224,000 | 15,252,000 |
| Provision for loan losses | 180,000 | 390,000 | 630,000 | 1,380,000 |
| Pretax income | 942,000 | 1,783,000 | 2,499,000 | 2,103,000 |
| Income tax | 232,000 | 409,000 | 548,000 | 253,000 |
| Net income | 710,000 | 1,374,000 | 1,951,000 | 1,850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,231,000 | 40,194,000 | 40,372,000 | 39,920,000 |
| Total capital | 43,318,000 | 43,383,000 | 43,681,000 | 43,822,000 |
| Risk-weighted assets | 285,017,000 | 292,543,000 | 301,124,000 | 312,285,000 |
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