Call reports 2006
UNISON BANK — 2006
What UNISON BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 139,387,000 | 146,614,000 | 150,350,000 | 154,716,000 |
| Total loans | 102,098,000 | 107,607,000 | 110,742,000 | 111,630,000 |
| Allowance for loan losses | 1,580,000 | 1,578,000 | 1,600,000 | 1,619,000 |
| Securities available for sale | 27,397,000 | 28,365,000 | 27,683,000 | 29,639,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,328,000 | 122,654,000 | 124,292,000 | 127,488,000 |
| Interest-bearing deposits | 101,980,000 | 104,404,000 | 106,578,000 | 105,298,000 |
| Noninterest-bearing deposits | 17,348,000 | 18,250,000 | 17,714,000 | 22,190,000 |
| Equity capital | 14,573,000 | 14,556,000 | 15,197,000 | 15,179,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,040,000 | 4,249,000 | 6,598,000 | 9,003,000 |
| Interest expense | 757,000 | 1,693,000 | 2,764,000 | 3,880,000 |
| Net interest income | 1,283,000 | 2,556,000 | 3,834,000 | 5,123,000 |
| Noninterest income | 128,000 | 241,000 | 413,000 | 560,000 |
| Noninterest expense | 833,000 | 1,822,000 | 2,681,000 | 3,676,000 |
| Provision for loan losses | 8,000 | 30,000 | 53,000 | 75,000 |
| Pretax income | 570,000 | 945,000 | 1,513,000 | 1,932,000 |
| Income tax | 218,000 | 361,000 | 570,000 | 748,000 |
| Net income | 352,000 | 584,000 | 943,000 | 1,184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,021,000 | 11,290,000 | 11,686,000 | 11,574,000 |
| Total capital | 12,416,000 | 12,760,000 | 13,180,000 | 13,105,000 |
| Risk-weighted assets | 111,411,000 | 117,524,000 | 119,434,000 | 122,427,000 |