Call reports 2007
UNIBANK — 2007
What UNIBANK 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 | 49,824,000 | 77,229,000 | 104,381,000 | 101,329,000 |
| Total loans | 34,505,000 | 56,312,000 | 78,156,000 | 79,128,000 |
| Allowance for loan losses | 430,000 | 630,000 | 890,000 | 1,000,000 |
| Securities available for sale | 6,036,000 | 13,369,000 | 23,849,000 | 19,701,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,357,000 | 52,637,000 | 81,123,000 | 73,219,000 |
| Interest-bearing deposits | 26,065,000 | 41,947,000 | 78,002,000 | 69,199,000 |
| Noninterest-bearing deposits | 1,292,000 | 10,690,000 | 3,121,000 | 4,019,000 |
| Equity capital | 19,327,000 | 19,418,000 | 19,864,000 | 21,265,000 |
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 | 745,000 | 1,899,000 | 3,813,000 | 5,812,000 |
| Interest expense | 227,000 | 663,000 | 1,569,000 | 2,526,000 |
| Net interest income | 518,000 | 1,236,000 | 2,244,000 | 3,286,000 |
| Noninterest income | 45,000 | 113,000 | 401,000 | 596,000 |
| Noninterest expense | 618,000 | 1,240,000 | 2,064,000 | 2,976,000 |
| Provision for loan losses | 205,000 | 405,000 | 665,000 | 775,000 |
| Pretax income | -260,000 | -296,000 | -84,000 | 131,000 |
| Income tax | 0 | 0 | 0 | -112,000 |
| Net income | -260,000 | -296,000 | -84,000 | 243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,322,000 | 19,585,000 | 19,863,000 | 21,095,000 |
| Total capital | 19,752,000 | 20,215,000 | 20,753,000 | 22,095,000 |
| Risk-weighted assets | 41,378,000 | 61,164,000 | 86,315,000 | 85,983,000 |