Call reports 2015
UNICO BANK — 2015
What UNICO BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 244,352,000 | 245,976,000 | 236,283,000 | 244,010,000 |
| Total loans | 144,405,000 | 150,965,000 | 149,926,000 | 153,824,000 |
| Allowance for loan losses | 892,000 | 950,000 | 887,000 | 891,000 |
| Securities available for sale | 84,851,000 | 79,334,000 | 71,240,000 | 75,384,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 967,000 | 0 | 0 |
| Total deposits | 213,840,000 | 214,640,000 | 211,194,000 | 212,393,000 |
| Interest-bearing deposits | 185,721,000 | 184,800,000 | 183,204,000 | 180,505,000 |
| Noninterest-bearing deposits | 28,119,000 | 29,840,000 | 27,990,000 | 31,888,000 |
| Equity capital | 24,190,000 | 23,028,000 | 24,300,000 | 24,902,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,461,000 | 4,971,000 | 7,510,000 | 10,026,000 |
| Interest expense | 383,000 | 774,000 | 1,095,000 | 1,412,000 |
| Net interest income | 2,078,000 | 4,197,000 | 6,415,000 | 8,614,000 |
| Noninterest income | 367,000 | 738,000 | 1,244,000 | 1,650,000 |
| Noninterest expense | 1,725,000 | 3,379,000 | 5,098,000 | 6,884,000 |
| Provision for loan losses | -303,000 | -210,000 | -209,000 | -172,000 |
| Pretax income | 1,063,000 | 1,946,000 | 2,953,000 | 3,736,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,063,000 | 1,946,000 | 2,953,000 | 3,736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,905,000 | 24,723,000 | 25,278,000 | 25,962,000 |
| Total capital | 25,797,000 | 25,673,000 | 26,165,000 | 26,853,000 |
| Risk-weighted assets | 162,377,000 | 166,216,000 | 163,877,000 | 169,383,000 |