Call reports 2007
UNB BANK — 2007
What UNB 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 | 103,010,000 | 101,708,000 | 105,080,000 | 110,802,000 |
| Total loans | 62,964,000 | 63,757,000 | 66,770,000 | 70,197,000 |
| Allowance for loan losses | 586,000 | 595,000 | 593,000 | 601,000 |
| Securities available for sale | 32,763,000 | 18,718,000 | 31,460,000 | 32,679,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,441,000 | 91,333,000 | 92,246,000 | 91,647,000 |
| Interest-bearing deposits | 80,054,000 | 78,976,000 | 80,356,000 | 79,944,000 |
| Noninterest-bearing deposits | 12,387,000 | 12,357,000 | 11,890,000 | 11,703,000 |
| Equity capital | 9,632,000 | 9,442,000 | 9,838,000 | 9,963,000 |
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 | 1,500,000 | 3,009,000 | 4,556,000 | 6,181,000 |
| Interest expense | 678,000 | 1,368,000 | 2,073,000 | 2,841,000 |
| Net interest income | 822,000 | 1,641,000 | 2,483,000 | 3,340,000 |
| Noninterest income | 127,000 | 303,000 | 434,000 | 581,000 |
| Noninterest expense | 728,000 | 1,444,000 | 2,205,000 | 3,065,000 |
| Provision for loan losses | 12,000 | 18,000 | 21,000 | 24,000 |
| Pretax income | 209,000 | 124,000 | 327,000 | 412,000 |
| Income tax | 65,000 | 115,000 | 100,000 | 125,000 |
| Net income | 144,000 | 9,000 | 227,000 | 287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,825,000 | 9,631,000 | 9,850,000 | 9,690,000 |
| Total capital | 10,411,000 | 10,226,000 | 10,443,000 | 10,291,000 |
| Risk-weighted assets | 58,426,000 | 59,450,000 | 61,006,000 | 64,974,000 |