Call reports 2008
UNISON BANK — 2008
What UNISON BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 178,205,000 | 179,294,000 | 169,970,000 | 181,395,000 |
| Total loans | 118,729,000 | 125,135,000 | 120,130,000 | 121,941,000 |
| Allowance for loan losses | 1,562,000 | 1,622,000 | 1,612,000 | 1,659,000 |
| Securities available for sale | 37,614,000 | 35,498,000 | 33,027,000 | 33,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,470,000 | 131,457,000 | 119,806,000 | 128,534,000 |
| Interest-bearing deposits | 117,536,000 | 110,555,000 | 97,303,000 | 101,740,000 |
| Noninterest-bearing deposits | 20,934,000 | 20,902,000 | 22,503,000 | 26,794,000 |
| Equity capital | 16,655,000 | 15,970,000 | 16,854,000 | 17,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,691,000 | 5,386,000 | 7,946,000 | 10,492,000 |
| Interest expense | 1,247,000 | 2,363,000 | 3,357,000 | 4,264,000 |
| Net interest income | 1,444,000 | 3,023,000 | 4,589,000 | 6,228,000 |
| Noninterest income | 161,000 | 297,000 | 414,000 | 273,000 |
| Noninterest expense | 946,000 | 2,020,000 | 3,073,000 | 4,034,000 |
| Provision for loan losses | 60,000 | 420,000 | 480,000 | 1,040,000 |
| Pretax income | 607,000 | 908,000 | 1,500,000 | 1,596,000 |
| Income tax | 202,000 | 301,000 | 508,000 | 522,000 |
| Net income | 405,000 | 607,000 | 992,000 | 1,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,631,000 | 12,670,000 | 13,093,000 | 13,112,000 |
| Total capital | 14,193,000 | 14,292,000 | 14,705,000 | 14,771,000 |
| Risk-weighted assets | 132,095,000 | 135,994,000 | 129,316,000 | 134,344,000 |