Call reports 2009
UNISON BANK — 2009
What UNISON BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 189,757,000 | 192,271,000 | 197,420,000 | 210,090,000 |
| Total loans | 118,442,000 | 122,095,000 | 122,495,000 | 124,741,000 |
| Allowance for loan losses | 1,647,000 | 1,777,000 | 2,162,000 | 2,305,000 |
| Securities available for sale | 48,276,000 | 46,154,000 | 49,266,000 | 55,783,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,555,000 | 135,076,000 | 134,120,000 | 149,919,000 |
| Interest-bearing deposits | 109,971,000 | 110,184,000 | 107,360,000 | 118,283,000 |
| Noninterest-bearing deposits | 23,584,000 | 24,892,000 | 26,760,000 | 31,636,000 |
| Equity capital | 19,283,000 | 19,210,000 | 21,667,000 | 21,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,441,000 | 4,966,000 | 7,556,000 | 10,122,000 |
| Interest expense | 951,000 | 1,861,000 | 2,736,000 | 3,594,000 |
| Net interest income | 1,490,000 | 3,105,000 | 4,820,000 | 6,528,000 |
| Noninterest income | 230,000 | 410,000 | -709,000 | -514,000 |
| Noninterest expense | 1,271,000 | 2,588,000 | 3,911,000 | 5,039,000 |
| Provision for loan losses | 190,000 | 575,000 | 1,735,000 | 2,270,000 |
| Pretax income | 259,000 | 397,000 | -1,490,000 | -1,250,000 |
| Income tax | 84,000 | 114,000 | -604,000 | -558,000 |
| Net income | 175,000 | 283,000 | -886,000 | -692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,784,000 | 14,945,000 | 16,827,000 | 17,069,000 |
| Total capital | 16,431,000 | 16,643,000 | 18,590,000 | 18,882,000 |
| Risk-weighted assets | 132,598,000 | 135,772,000 | 140,607,000 | 144,557,000 |