Call reports 2007
UNITED BUSINESS BANK — 2007
What UNITED BUSINESS 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 | 83,060,000 | 82,298,000 | 85,746,000 | 90,710,000 |
| Total loans | 62,421,000 | 64,603,000 | 74,968,000 | 79,764,000 |
| Allowance for loan losses | 800,000 | 845,000 | 930,000 | 990,000 |
| Securities available for sale | 966,000 | 917,000 | 874,000 | 842,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,613,000 | 67,489,000 | 70,384,000 | 69,793,000 |
| Interest-bearing deposits | 61,147,000 | 59,220,000 | 63,051,000 | 60,873,000 |
| Noninterest-bearing deposits | 7,466,000 | 8,269,000 | 7,333,000 | 8,920,000 |
| Equity capital | 14,153,000 | 14,373,000 | 14,838,000 | 15,238,000 |
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 | 1,504,000 | 3,038,000 | 4,679,000 | 6,354,000 |
| Interest expense | 640,000 | 1,261,000 | 1,867,000 | 2,497,000 |
| Net interest income | 864,000 | 1,777,000 | 2,812,000 | 3,857,000 |
| Noninterest income | 67,000 | 111,000 | 172,000 | 275,000 |
| Noninterest expense | 689,000 | 1,397,000 | 2,136,000 | 2,867,000 |
| Provision for loan losses | 42,000 | 87,000 | 172,000 | 232,000 |
| Pretax income | 200,000 | 404,000 | 676,000 | 1,033,000 |
| Income tax | 1,000 | 1,000 | -160,000 | -174,000 |
| Net income | 199,000 | 403,000 | 836,000 | 1,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,184,000 | 14,400,000 | 14,849,000 | 15,244,000 |
| Total capital | 14,984,000 | 15,245,000 | 15,779,000 | 16,234,000 |
| Risk-weighted assets | 69,164,000 | 71,095,000 | 79,797,000 | 87,147,000 |