Call reports 2005
UNISON BANK — 2005
What UNISON BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 128,408,000 | 135,919,000 | 135,997,000 | 135,939,000 |
| Total loans | 92,001,000 | 97,552,000 | 100,903,000 | 101,299,000 |
| Allowance for loan losses | 1,520,000 | 1,533,000 | 1,575,000 | 1,558,000 |
| Securities available for sale | 28,648,000 | 28,710,000 | 27,326,000 | 25,029,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,107,000 | 110,572,000 | 105,715,000 | 116,237,000 |
| Interest-bearing deposits | 92,737,000 | 94,346,000 | 89,416,000 | 92,258,000 |
| Noninterest-bearing deposits | 17,370,000 | 16,226,000 | 16,299,000 | 23,979,000 |
| Equity capital | 15,298,000 | 15,604,000 | 15,897,000 | 15,335,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,668,000 | 3,464,000 | 5,410,000 | 7,387,000 |
| Interest expense | 462,000 | 1,025,000 | 1,690,000 | 2,362,000 |
| Net interest income | 1,206,000 | 2,439,000 | 3,720,000 | 5,025,000 |
| Noninterest income | 130,000 | 232,000 | 362,000 | 468,000 |
| Noninterest expense | 799,000 | 1,665,000 | 2,427,000 | 3,279,000 |
| Provision for loan losses | 30,000 | 60,000 | 105,000 | 150,000 |
| Pretax income | 507,000 | 946,000 | 1,550,000 | 2,078,000 |
| Income tax | 189,000 | 359,000 | 587,000 | 796,000 |
| Net income | 318,000 | 587,000 | 963,000 | 1,282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,355,000 | 11,611,000 | 12,025,000 | 11,681,000 |
| Total capital | 12,585,000 | 12,920,000 | 13,375,000 | 13,048,000 |
| Risk-weighted assets | 98,090,000 | 104,481,000 | 107,784,000 | 109,155,000 |