Call reports 2007
UNITED BANK & TRUST - WASHTENAW — 2007
What UNITED BANK & TRUST - WASHTENAW 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 | 274,740,000 | 290,158,000 | 297,217,000 | 302,377,000 |
| Total loans | 247,310,000 | 263,135,000 | 271,705,000 | 279,611,000 |
| Allowance for loan losses | 3,199,000 | 3,300,000 | 3,513,000 | 5,661,000 |
| Securities available for sale | 10,614,000 | 10,848,000 | 10,644,000 | 10,908,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,231,000 | 242,646,000 | 254,378,000 | 256,068,000 |
| Interest-bearing deposits | 194,575,000 | 206,456,000 | 220,943,000 | 223,825,000 |
| Noninterest-bearing deposits | 31,656,000 | 36,190,000 | 33,435,000 | 32,243,000 |
| Equity capital | 26,374,000 | 26,990,000 | 27,679,000 | 28,117,000 |
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 | 4,730,000 | 9,843,000 | 15,182,000 | 20,389,000 |
| Interest expense | 2,004,000 | 4,226,000 | 6,647,000 | 9,062,000 |
| Net interest income | 2,726,000 | 5,617,000 | 8,535,000 | 11,327,000 |
| Noninterest income | 670,000 | 1,401,000 | 2,207,000 | 3,017,000 |
| Noninterest expense | 2,429,000 | 4,926,000 | 7,445,000 | 9,808,000 |
| Provision for loan losses | 399,000 | 574,000 | 836,000 | 2,983,000 |
| Pretax income | 568,000 | 1,518,000 | 2,461,000 | 1,553,000 |
| Income tax | 173,000 | 475,000 | 775,000 | 444,000 |
| Net income | 395,000 | 1,043,000 | 1,686,000 | 1,109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,347,000 | 24,995,000 | 25,639,000 | 26,062,000 |
| Total capital | 27,425,000 | 28,295,000 | 29,064,000 | 29,562,000 |
| Risk-weighted assets | 256,657,000 | 267,470,000 | 273,894,000 | 277,869,000 |