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 | 69,457,000 | 72,999,000 | 78,007,000 | 77,985,000 |
| Total loans | 53,337,000 | 56,662,000 | 58,156,000 | 57,659,000 |
| Allowance for loan losses | 720,000 | 740,000 | 741,000 | 1,000,000 |
| Securities available for sale | 8,745,000 | 8,128,000 | 9,234,000 | 9,316,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,063,000 | 61,035,000 | 65,350,000 | 65,515,000 |
| Interest-bearing deposits | 53,504,000 | 54,763,000 | 56,350,000 | 51,175,000 |
| Noninterest-bearing deposits | 5,559,000 | 6,272,000 | 9,000,000 | 14,340,000 |
| Equity capital | 5,936,000 | 6,085,000 | 6,157,000 | 6,280,000 |
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 | 1,398,000 | 2,910,000 | 4,426,000 | 5,930,000 |
| Interest expense | 566,000 | 1,171,000 | 1,837,000 | 2,474,000 |
| Net interest income | 832,000 | 1,739,000 | 2,589,000 | 3,456,000 |
| Noninterest income | 92,000 | 179,000 | 270,000 | 343,000 |
| Noninterest expense | 565,000 | 1,219,000 | 2,240,000 | 2,850,000 |
| Provision for loan losses | 13,000 | 23,000 | 25,000 | 282,000 |
| Pretax income | 346,000 | 676,000 | 594,000 | 667,000 |
| Income tax | 137,000 | 263,000 | 218,000 | 238,000 |
| Net income | 209,000 | 413,000 | 376,000 | 429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,910,000 | 6,114,000 | 6,078,000 | 6,129,000 |
| Total capital | 6,551,000 | 6,808,000 | 6,799,000 | 6,844,000 |
| Risk-weighted assets | 54,063,000 | 56,492,000 | 59,501,000 | 59,067,000 |
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