Call reports 2016
UNITED NATIONAL BANK — 2016
What UNITED NATIONAL 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 | 202,955,000 | 202,637,000 | 193,983,000 | 207,351,000 |
| Total loans | 171,233,000 | 180,133,000 | 180,680,000 | 172,578,000 |
| Allowance for loan losses | 2,813,000 | 2,974,000 | 2,991,000 | 3,333,000 |
| Securities available for sale | 4,283,000 | 4,482,000 | 4,266,000 | 4,549,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,454,000 | 170,107,000 | 162,018,000 | 173,042,000 |
| Interest-bearing deposits | 150,354,000 | 152,327,000 | 146,484,000 | 149,024,000 |
| Noninterest-bearing deposits | 20,100,000 | 17,780,000 | 15,534,000 | 24,018,000 |
| Equity capital | 26,667,000 | 26,221,000 | 26,806,000 | 27,225,000 |
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 | 2,389,000 | 4,912,000 | 7,482,000 | 9,998,000 |
| Interest expense | 344,000 | 709,000 | 1,046,000 | 1,369,000 |
| Net interest income | 2,045,000 | 4,203,000 | 6,436,000 | 8,629,000 |
| Noninterest income | 158,000 | 380,000 | 541,000 | 735,000 |
| Noninterest expense | 1,394,000 | 2,729,000 | 4,172,000 | 5,471,000 |
| Provision for loan losses | 110,000 | 320,000 | 345,000 | 700,000 |
| Pretax income | 699,000 | 1,534,000 | 2,460,000 | 3,193,000 |
| Income tax | 234,000 | 551,000 | 895,000 | 1,178,000 |
| Net income | 465,000 | 983,000 | 1,565,000 | 2,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,626,000 | 26,177,000 | 26,758,000 | 27,209,000 |
| Total capital | 28,553,000 | 28,174,000 | 28,754,000 | 29,173,000 |
| Risk-weighted assets | 153,307,000 | 158,797,000 | 158,708,000 | 155,754,000 |