Call reports 2015
UNITED PACIFIC BANK — 2015
What UNITED PACIFIC 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 | 105,884,000 | 110,862,000 | 107,047,000 | 111,467,000 |
| Total loans | 88,289,000 | 80,830,000 | 83,820,000 | 92,002,000 |
| Allowance for loan losses | 2,754,000 | 2,725,000 | 2,725,000 | 2,725,000 |
| Securities available for sale | 2,311,000 | 2,240,000 | 2,171,000 | 2,132,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,800,000 | 81,375,000 | 77,333,000 | 79,426,000 |
| Interest-bearing deposits | 70,451,000 | 77,956,000 | 73,622,000 | 74,576,000 |
| Noninterest-bearing deposits | 4,349,000 | 3,419,000 | 3,711,000 | 4,850,000 |
| Equity capital | 19,827,000 | 20,088,000 | 20,217,000 | 20,599,000 |
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 | 1,351,000 | 2,690,000 | 3,790,000 | 4,879,000 |
| Interest expense | 141,000 | 296,000 | 457,000 | 621,000 |
| Net interest income | 1,210,000 | 2,394,000 | 3,333,000 | 4,258,000 |
| Noninterest income | 254,000 | 360,000 | 550,000 | 620,000 |
| Noninterest expense | 1,001,000 | 2,030,000 | 3,024,000 | 4,010,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 463,000 | 724,000 | 859,000 | 868,000 |
| Income tax | 1,000 | 1,000 | 1,000 | -383,000 |
| Net income | 462,000 | 723,000 | 858,000 | 1,251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,852,000 | 20,113,000 | 20,248,000 | 20,641,000 |
| Total capital | 20,978,000 | 21,167,000 | 21,322,000 | 21,766,000 |
| Risk-weighted assets | 88,450,000 | 82,681,000 | 84,294,000 | 88,374,000 |