Call reports 2007
UNION BANK OF BENTON, THE — 2007
What UNION BANK OF BENTON, THE 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 | 224,502,000 | 223,938,000 | 224,807,000 | 227,788,000 |
| Total loans | 85,006,000 | 90,245,000 | 91,648,000 | 94,724,000 |
| Allowance for loan losses | 1,225,000 | 1,263,000 | 1,275,000 | 1,260,000 |
| Securities available for sale | 127,854,000 | 117,261,000 | 118,603,000 | 115,597,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,425,000 | 182,362,000 | 182,641,000 | 185,281,000 |
| Interest-bearing deposits | 144,194,000 | 146,715,000 | 150,575,000 | 152,007,000 |
| Noninterest-bearing deposits | 37,231,000 | 35,647,000 | 32,066,000 | 33,274,000 |
| Equity capital | 16,070,000 | 15,167,000 | 16,300,000 | 16,915,000 |
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 | 3,213,000 | 6,555,000 | 9,855,000 | 13,137,000 |
| Interest expense | 1,521,000 | 3,144,000 | 4,725,000 | 6,288,000 |
| Net interest income | 1,692,000 | 3,411,000 | 5,130,000 | 6,849,000 |
| Noninterest income | 276,000 | 566,000 | 865,000 | 1,223,000 |
| Noninterest expense | 1,468,000 | 2,968,000 | 4,416,000 | 6,097,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 443,000 | 890,000 | 1,466,000 | 1,942,000 |
| Income tax | -85,000 | 37,000 | 203,000 | 315,000 |
| Net income | 528,000 | 853,000 | 1,263,000 | 1,627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,071,000 | 16,996,000 | 16,907,000 | 16,893,000 |
| Total capital | 18,296,000 | 18,259,000 | 18,182,000 | 18,153,000 |
| Risk-weighted assets | 116,063,000 | 123,504,000 | 122,978,000 | 125,284,000 |