Call reports 2015
UNITED REPUBLIC BANK — 2015
What UNITED REPUBLIC 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 | 120,034,000 | 142,818,000 | 133,047,000 | 133,077,000 |
| Total loans | 103,778,000 | 105,280,000 | 109,866,000 | 113,018,000 |
| Allowance for loan losses | 1,322,000 | 1,367,000 | 1,427,000 | 1,458,000 |
| Securities available for sale | 3,407,000 | 3,198,000 | 3,167,000 | 3,120,000 |
| Securities held to maturity | 602,000 | 550,000 | 508,000 | 466,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,627,000 | 128,667,000 | 116,463,000 | 116,248,000 |
| Interest-bearing deposits | 86,112,000 | 117,158,000 | 104,022,000 | 102,764,000 |
| Noninterest-bearing deposits | 13,515,000 | 11,509,000 | 12,441,000 | 13,484,000 |
| Equity capital | 12,671,000 | 12,950,000 | 13,213,000 | 13,546,000 |
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 | 1,323,000 | 2,718,000 | 4,162,000 | 5,635,000 |
| Interest expense | 195,000 | 418,000 | 682,000 | 935,000 |
| Net interest income | 1,128,000 | 2,300,000 | 3,480,000 | 4,700,000 |
| Noninterest income | 58,000 | 145,000 | 242,000 | 334,000 |
| Noninterest expense | 791,000 | 1,558,000 | 2,383,000 | 3,468,000 |
| Provision for loan losses | 75,000 | 120,000 | 180,000 | 210,000 |
| Pretax income | 320,000 | 767,000 | 1,159,000 | 1,356,000 |
| Income tax | 112,000 | 267,000 | 406,000 | 468,000 |
| Net income | 208,000 | 500,000 | 753,000 | 888,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,647,000 | 12,939,000 | 13,191,000 | 13,530,000 |
| Total capital | 13,969,000 | 14,306,000 | 14,618,000 | 14,988,000 |
| Risk-weighted assets | 127,608,000 | 125,867,000 | 127,557,000 | 127,225,000 |