Call reports 2016
UNION COMMUNITY BANK — 2016
What UNION COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 509,613,000 | 509,473,000 | 522,818,000 | 536,159,000 |
| Total loans | 326,046,000 | 337,666,000 | 347,953,000 | 353,753,000 |
| Allowance for loan losses | 4,085,000 | 4,044,000 | 4,189,000 | 4,143,000 |
| Securities available for sale | 111,243,000 | 106,161,000 | 101,947,000 | 94,280,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 416,816,000 | 419,909,000 | 432,598,000 | 451,174,000 |
| Interest-bearing deposits | 321,802,000 | 325,843,000 | 340,383,000 | 346,263,000 |
| Noninterest-bearing deposits | 95,014,000 | 94,065,000 | 92,215,000 | 104,911,000 |
| Equity capital | 85,384,000 | 86,981,000 | 87,689,000 | 82,773,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,518,000 | 9,173,000 | 13,922,000 | 18,759,000 |
| Interest expense | 347,000 | 709,000 | 1,103,000 | 1,517,000 |
| Net interest income | 4,171,000 | 8,464,000 | 12,819,000 | 17,242,000 |
| Noninterest income | 932,000 | 1,836,000 | 2,787,000 | 3,641,000 |
| Noninterest expense | 4,677,000 | 8,801,000 | 12,835,000 | 16,989,000 |
| Provision for loan losses | 213,000 | 325,000 | 450,000 | 521,000 |
| Pretax income | 213,000 | 1,183,000 | 2,329,000 | 3,381,000 |
| Income tax | 14,000 | 258,000 | 528,000 | 805,000 |
| Net income | 199,000 | 925,000 | 1,801,000 | 2,576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,777,000 | 84,576,000 | 85,503,000 | 82,828,000 |
| Total capital | 87,988,000 | 88,754,000 | 89,821,000 | 87,111,000 |
| Risk-weighted assets | 368,065,000 | 376,932,000 | 382,786,000 | 386,777,000 |