Call reports 2015
UNITED NATIONAL BANK — 2015
What UNITED NATIONAL 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 | 175,297,000 | 184,039,000 | 188,500,000 | 191,210,000 |
| Total loans | 159,896,000 | 170,396,000 | 174,391,000 | 162,783,000 |
| Allowance for loan losses | 4,079,000 | 4,027,000 | 4,018,000 | 3,443,000 |
| Securities available for sale | 4,169,000 | 3,912,000 | 3,702,000 | 4,218,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,473,000 | 144,233,000 | 145,191,000 | 158,539,000 |
| Interest-bearing deposits | 130,397,000 | 129,571,000 | 129,634,000 | 138,190,000 |
| Noninterest-bearing deposits | 13,076,000 | 14,662,000 | 15,557,000 | 20,349,000 |
| Equity capital | 25,409,000 | 24,981,000 | 25,631,000 | 26,193,000 |
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 | 2,296,000 | 4,735,000 | 7,272,000 | 9,738,000 |
| Interest expense | 293,000 | 594,000 | 893,000 | 1,193,000 |
| Net interest income | 2,003,000 | 4,141,000 | 6,379,000 | 8,545,000 |
| Noninterest income | 169,000 | 273,000 | 409,000 | 420,000 |
| Noninterest expense | 1,393,000 | 2,744,000 | 4,096,000 | 5,386,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 779,000 | 1,670,000 | 2,692,000 | 3,579,000 |
| Income tax | 289,000 | 617,000 | 997,000 | 1,302,000 |
| Net income | 490,000 | 1,053,000 | 1,695,000 | 2,277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,344,000 | 24,938,000 | 25,580,000 | 26,151,000 |
| Total capital | 27,349,000 | 27,094,000 | 27,768,000 | 28,094,000 |
| Risk-weighted assets | 158,294,000 | 170,633,000 | 173,215,000 | 153,916,000 |