Call reports 2007
UNITED SECURITY BANK — 2007
What UNITED SECURITY 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 | 759,745,000 | 768,230,000 | 800,478,000 | 768,971,000 |
| Total loans | 555,580,000 | 583,525,000 | 618,706,000 | 591,102,000 |
| Allowance for loan losses | 7,746,000 | 7,947,000 | 8,165,000 | 8,945,000 |
| Securities available for sale | 98,026,000 | 91,636,000 | 88,657,000 | 89,415,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 642,831,000 | 645,470,000 | 671,848,000 | 637,278,000 |
| Interest-bearing deposits | 492,138,000 | 503,624,000 | 516,741,000 | 495,551,000 |
| Noninterest-bearing deposits | 150,693,000 | 141,846,000 | 155,107,000 | 141,727,000 |
| Equity capital | 97,889,000 | 92,195,000 | 93,777,000 | 92,455,000 |
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 | 14,291,000 | 28,307,000 | 43,071,000 | 57,371,000 |
| Interest expense | 4,151,000 | 8,933,000 | 14,139,000 | 19,339,000 |
| Net interest income | 10,140,000 | 19,374,000 | 28,932,000 | 38,032,000 |
| Noninterest income | 1,527,000 | 3,280,000 | 5,115,000 | 6,897,000 |
| Noninterest expense | 5,100,000 | 10,443,000 | 15,605,000 | 21,392,000 |
| Provision for loan losses | 202,000 | 410,000 | 2,360,000 | 6,517,000 |
| Pretax income | 6,365,000 | 11,801,000 | 16,082,000 | 17,020,000 |
| Income tax | 2,499,000 | 4,412,000 | 6,030,000 | 6,227,000 |
| Net income | 3,866,000 | 7,389,000 | 10,052,000 | 10,793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,487,000 | 79,195,000 | 80,633,000 | 77,144,000 |
| Total capital | 92,801,000 | 87,735,000 | 89,407,000 | 86,294,000 |
| Risk-weighted assets | 691,516,000 | 727,820,000 | 760,639,000 | 731,637,000 |