Call reports 2015
UNION COMMUNITY BANK — 2015
What UNION COMMUNITY 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 | 505,176,000 | 501,380,000 | 509,257,000 | 507,803,000 |
| Total loans | 295,437,000 | 301,352,000 | 308,682,000 | 315,317,000 |
| Allowance for loan losses | 3,977,000 | 3,979,000 | 3,856,000 | 3,861,000 |
| Securities available for sale | 133,254,000 | 127,336,000 | 124,920,000 | 102,098,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 395,890,000 | 395,253,000 | 400,310,000 | 400,323,000 |
| Interest-bearing deposits | 304,813,000 | 301,434,000 | 313,514,000 | 312,960,000 |
| Noninterest-bearing deposits | 91,077,000 | 93,819,000 | 86,796,000 | 87,363,000 |
| Equity capital | 85,850,000 | 85,515,000 | 87,511,000 | 83,876,000 |
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 | 5,009,000 | 9,811,000 | 14,533,000 | 19,210,000 |
| Interest expense | 400,000 | 782,000 | 1,184,000 | 3,739,000 |
| Net interest income | 4,609,000 | 9,029,000 | 13,349,000 | 15,471,000 |
| Noninterest income | 506,000 | 1,559,000 | 2,554,000 | 3,505,000 |
| Noninterest expense | 3,845,000 | 8,044,000 | 12,030,000 | 16,186,000 |
| Provision for loan losses | 0 | 92,000 | 92,000 | 92,000 |
| Pretax income | 1,270,000 | 2,453,000 | 3,782,000 | 3,604,000 |
| Income tax | 355,000 | 683,000 | 1,052,000 | 920,000 |
| Net income | 915,000 | 1,770,000 | 2,730,000 | 2,684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,101,000 | 85,061,000 | 86,083,000 | 83,601,000 |
| Total capital | 91,893,000 | 92,904,000 | 93,858,000 | 87,576,000 |
| Risk-weighted assets | 362,105,000 | 359,124,000 | 360,508,000 | 360,947,000 |