Call reports 2007
UNION STATE BANK OF FARGO — 2007
What UNION STATE BANK OF FARGO 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 | 48,382,000 | 47,253,000 | 45,145,000 | 49,073,000 |
| Total loans | 39,037,000 | 39,177,000 | 39,046,000 | 38,420,000 |
| Allowance for loan losses | 337,000 | 353,000 | 350,000 | 185,000 |
| Securities available for sale | 61,000 | 60,000 | 59,000 | 60,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,016,000 | 40,072,000 | 37,958,000 | 41,797,000 |
| Interest-bearing deposits | 31,644,000 | 32,399,000 | 30,946,000 | 33,114,000 |
| Noninterest-bearing deposits | 9,373,000 | 7,674,000 | 7,012,000 | 8,684,000 |
| Equity capital | 3,812,000 | 3,879,000 | 3,916,000 | 3,934,000 |
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 | 787,000 | 1,621,000 | 2,449,000 | 3,263,000 |
| Interest expense | 328,000 | 673,000 | 1,020,000 | 1,334,000 |
| Net interest income | 459,000 | 948,000 | 1,429,000 | 1,929,000 |
| Noninterest income | 116,000 | 255,000 | 395,000 | 542,000 |
| Noninterest expense | 555,000 | 1,081,000 | 1,619,000 | 2,274,000 |
| Provision for loan losses | 47,000 | 60,000 | 60,000 | -8,000 |
| Pretax income | -27,000 | 62,000 | 145,000 | 205,000 |
| Income tax | 0 | 21,000 | 50,000 | 75,000 |
| Net income | -27,000 | 41,000 | 95,000 | 130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,812,000 | 3,879,000 | 3,916,000 | 3,933,000 |
| Total capital | 4,149,000 | 4,232,000 | 4,266,000 | 4,118,000 |
| Risk-weighted assets | 39,622,000 | 39,029,000 | 38,590,000 | 38,948,000 |