Call reports 2014
UNITED PACIFIC BANK — 2014
What UNITED PACIFIC BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 108,427,000 | 105,851,000 | 110,966,000 | 108,250,000 |
| Total loans | 81,100,000 | 82,121,000 | 85,353,000 | 85,350,000 |
| Allowance for loan losses | 2,567,000 | 2,569,000 | 2,479,000 | 2,482,000 |
| Securities available for sale | 2,619,000 | 2,629,000 | 2,570,000 | 2,442,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,772,000 | 79,883,000 | 80,676,000 | 77,529,000 |
| Interest-bearing deposits | 77,352,000 | 74,431,000 | 74,875,000 | 73,242,000 |
| Noninterest-bearing deposits | 5,420,000 | 5,452,000 | 5,801,000 | 4,287,000 |
| Equity capital | 18,361,000 | 18,623,000 | 18,905,000 | 19,367,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,045,000 | 2,103,000 | 3,188,000 | 4,439,000 |
| Interest expense | 155,000 | 299,000 | 440,000 | 581,000 |
| Net interest income | 890,000 | 1,804,000 | 2,748,000 | 3,858,000 |
| Noninterest income | 376,000 | 558,000 | 813,000 | 811,000 |
| Noninterest expense | 1,064,000 | 1,949,000 | 2,867,000 | 3,867,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 202,000 | 413,000 | 694,000 | 802,000 |
| Income tax | 1,000 | 1,000 | 1,000 | -399,000 |
| Net income | 201,000 | 412,000 | 693,000 | 1,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,391,000 | 18,602,000 | 18,882,000 | 19,390,000 |
| Total capital | 19,356,000 | 19,565,000 | 19,908,000 | 20,435,000 |
| Risk-weighted assets | 75,603,000 | 75,446,000 | 80,629,000 | 82,136,000 |