Call reports 2015
UNITI BANK — 2015
What UNITI 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 | 199,145,000 | 218,914,000 | 234,504,000 | 232,430,000 |
| Total loans | 132,402,000 | 153,962,000 | 152,232,000 | 161,040,000 |
| Allowance for loan losses | 5,610,000 | 5,746,000 | 5,746,000 | 4,073,000 |
| Securities available for sale | 17,285,000 | 17,064,000 | 19,180,000 | 17,999,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,781,000 | 186,014,000 | 200,669,000 | 197,644,000 |
| Interest-bearing deposits | 99,960,000 | 107,748,000 | 114,192,000 | 114,747,000 |
| Noninterest-bearing deposits | 66,820,000 | 78,266,000 | 86,477,000 | 82,897,000 |
| Equity capital | 31,442,000 | 31,772,000 | 32,637,000 | 33,488,000 |
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 | 1,842,000 | 3,733,000 | 6,055,000 | 8,090,000 |
| Interest expense | 214,000 | 438,000 | 664,000 | 908,000 |
| Net interest income | 1,628,000 | 3,295,000 | 5,391,000 | 7,182,000 |
| Noninterest income | 989,000 | 1,899,000 | 2,613,000 | 3,340,000 |
| Noninterest expense | 1,910,000 | 3,817,000 | 5,942,000 | 8,210,000 |
| Provision for loan losses | 0 | 0 | -530,000 | -1,830,000 |
| Pretax income | 707,000 | 1,377,000 | 2,592,000 | 4,143,000 |
| Income tax | 291,000 | 566,000 | 1,067,000 | 1,753,000 |
| Net income | 416,000 | 811,000 | 1,525,000 | 2,390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,828,000 | 28,193,000 | 29,802,000 | 30,850,000 |
| Total capital | 29,563,000 | 30,220,000 | 31,800,000 | 32,926,000 |
| Risk-weighted assets | 132,697,000 | 156,174,000 | 154,346,000 | 162,462,000 |