Call reports 2007
UNITED BANK, NATIONAL ASSOCIATION — 2007
What UNITED BANK, NATIONAL ASSOCIATION 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 | 209,681,000 | 206,955,000 | 202,122,000 | 196,254,000 |
| Total loans | 96,125,000 | 93,637,000 | 94,401,000 | 95,682,000 |
| Allowance for loan losses | 1,907,000 | 1,899,000 | 1,915,000 | 1,800,000 |
| Securities available for sale | 86,896,000 | 81,161,000 | 79,140,000 | 76,977,000 |
| Securities held to maturity | 7,856,000 | 7,784,000 | 7,685,000 | 7,597,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,273,000 | 186,543,000 | 180,013,000 | 170,048,000 |
| Interest-bearing deposits | 168,189,000 | 160,891,000 | 157,407,000 | 149,241,000 |
| Noninterest-bearing deposits | 21,084,000 | 25,652,000 | 22,606,000 | 20,807,000 |
| Equity capital | 11,315,000 | 11,054,000 | 12,421,000 | 11,568,000 |
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 | 3,311,000 | 6,428,000 | 9,524,000 | 12,584,000 |
| Interest expense | 1,440,000 | 2,657,000 | 3,868,000 | 5,026,000 |
| Net interest income | 1,871,000 | 3,771,000 | 5,656,000 | 7,558,000 |
| Noninterest income | 588,000 | 1,182,000 | 1,832,000 | 2,442,000 |
| Noninterest expense | 1,678,000 | 3,255,000 | 4,885,000 | 6,464,000 |
| Provision for loan losses | 20,000 | 25,000 | 45,000 | 0 |
| Pretax income | 761,000 | 1,673,000 | 2,558,000 | 3,536,000 |
| Income tax | 239,000 | 530,000 | 810,000 | 1,126,000 |
| Net income | 522,000 | 1,143,000 | 1,748,000 | 2,410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,274,000 | 13,038,000 | 13,787,000 | 12,031,000 |
| Total capital | 13,646,000 | 14,408,000 | 15,121,000 | 13,356,000 |
| Risk-weighted assets | 109,216,000 | 109,099,000 | 106,494,000 | 105,719,000 |