Call reports 2007
UNITED PACIFIC BANK — 2007
What UNITED PACIFIC 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 | 132,141,000 | 140,526,000 | 141,332,000 | 143,973,000 |
| Total loans | 94,262,000 | 102,739,000 | 114,701,000 | 111,163,000 |
| Allowance for loan losses | 1,915,000 | 1,937,000 | 1,920,000 | 1,924,000 |
| Securities available for sale | 8,761,000 | 12,233,000 | 11,879,000 | 11,521,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,262,000 | 126,627,000 | 127,037,000 | 120,860,000 |
| Interest-bearing deposits | 112,285,000 | 123,801,000 | 120,816,000 | 108,700,000 |
| Noninterest-bearing deposits | 5,977,000 | 2,826,000 | 6,221,000 | 12,160,000 |
| Equity capital | 13,264,000 | 13,210,000 | 13,470,000 | 13,845,000 |
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 | 2,050,000 | 4,514,000 | 7,093,000 | 9,718,000 |
| Interest expense | 1,167,000 | 2,704,000 | 4,261,000 | 5,715,000 |
| Net interest income | 883,000 | 1,810,000 | 2,832,000 | 4,003,000 |
| Noninterest income | 116,000 | 186,000 | 311,000 | 370,000 |
| Noninterest expense | 952,000 | 1,878,000 | 2,869,000 | 3,885,000 |
| Provision for loan losses | -18,000 | 3,000 | -16,000 | -13,000 |
| Pretax income | 65,000 | 115,000 | 290,000 | 389,000 |
| Income tax | 1,000 | 1,000 | 1,000 | -249,000 |
| Net income | 64,000 | 114,000 | 289,000 | 638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,250,000 | 13,300,000 | 13,475,000 | 13,824,000 |
| Total capital | 14,459,000 | 14,615,000 | 14,933,000 | 15,261,000 |
| Risk-weighted assets | 95,959,000 | 104,514,000 | 116,150,000 | 114,438,000 |