Call reports 2014
UNICO BANK — 2014
What UNICO BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 252,303,000 | 244,242,000 | 238,314,000 | 240,338,000 |
| Total loans | 134,244,000 | 136,681,000 | 140,458,000 | 138,974,000 |
| Allowance for loan losses | 1,222,000 | 1,231,000 | 1,114,000 | 1,204,000 |
| Securities available for sale | 93,839,000 | 86,352,000 | 79,579,000 | 85,285,000 |
| Securities held to maturity | 9,270,000 | 6,269,000 | 3,992,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,441,000 | 214,978,000 | 209,198,000 | 211,838,000 |
| Interest-bearing deposits | 192,532,000 | 189,774,000 | 186,403,000 | 187,163,000 |
| Noninterest-bearing deposits | 26,909,000 | 25,204,000 | 22,795,000 | 24,675,000 |
| Equity capital | 18,774,000 | 20,173,000 | 21,117,000 | 22,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,491,000 | 4,994,000 | 7,450,000 | 9,884,000 |
| Interest expense | 427,000 | 837,000 | 1,230,000 | 1,624,000 |
| Net interest income | 2,064,000 | 4,157,000 | 6,220,000 | 8,260,000 |
| Noninterest income | 388,000 | 828,000 | 1,311,000 | 1,754,000 |
| Noninterest expense | 1,720,000 | 3,341,000 | 5,051,000 | 6,648,000 |
| Provision for loan losses | 23,000 | 39,000 | -49,000 | 127,000 |
| Pretax income | 909,000 | 2,234,000 | 3,177,000 | 3,880,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 909,000 | 2,234,000 | 3,177,000 | 3,880,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,768,000 | 23,195,000 | 23,839,000 | 24,442,000 |
| Total capital | 23,990,000 | 24,426,000 | 24,953,000 | 25,646,000 |
| Risk-weighted assets | 162,034,000 | 158,030,000 | 158,939,000 | 156,372,000 |
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