Call reports 2016
UNITED REPUBLIC BANK — 2016
What UNITED REPUBLIC 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 | 135,065,000 | 126,045,000 | 120,142,000 | 119,937,000 |
| Total loans | 107,803,000 | 106,607,000 | 98,218,000 | 95,905,000 |
| Allowance for loan losses | 1,461,000 | 1,511,000 | 1,436,000 | 1,353,000 |
| Securities available for sale | 3,379,000 | 3,257,000 | 3,204,000 | 3,123,000 |
| Securities held to maturity | 429,000 | 398,000 | 365,000 | 332,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,963,000 | 108,987,000 | 103,130,000 | 103,377,000 |
| Interest-bearing deposits | 106,445,000 | 97,496,000 | 91,259,000 | 89,360,000 |
| Noninterest-bearing deposits | 11,518,000 | 11,491,000 | 11,871,000 | 14,017,000 |
| Equity capital | 13,952,000 | 13,876,000 | 14,192,000 | 13,916,000 |
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 | 1,438,000 | 2,838,000 | 4,204,000 | 5,575,000 |
| Interest expense | 267,000 | 522,000 | 759,000 | 993,000 |
| Net interest income | 1,171,000 | 2,316,000 | 3,445,000 | 4,582,000 |
| Noninterest income | 76,000 | 165,000 | 258,000 | 387,000 |
| Noninterest expense | 1,031,000 | 1,842,000 | 2,604,000 | 3,386,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 930,000 |
| Pretax income | 216,000 | 589,000 | 1,049,000 | 653,000 |
| Income tax | 6,000 | 158,000 | 305,000 | 162,000 |
| Net income | 210,000 | 431,000 | 744,000 | 491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,925,000 | 13,842,000 | 14,163,000 | 13,917,000 |
| Total capital | 15,386,000 | 15,315,000 | 15,533,000 | 15,200,000 |
| Risk-weighted assets | 124,038,000 | 117,657,000 | 109,571,000 | 102,588,000 |