Call reports 2011
UNISON BANK — 2011
What UNISON BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 222,197,000 | 211,107,000 | 205,563,000 | 209,870,000 |
| Total loans | 122,450,000 | 133,017,000 | 126,815,000 | 131,647,000 |
| Allowance for loan losses | 3,496,000 | 6,051,000 | 4,084,000 | 4,341,000 |
| Securities available for sale | 74,808,000 | 63,525,000 | 58,968,000 | 57,628,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,720,000 | 157,108,000 | 150,415,000 | 156,026,000 |
| Interest-bearing deposits | 134,939,000 | 121,924,000 | 110,830,000 | 115,579,000 |
| Noninterest-bearing deposits | 35,781,000 | 35,184,000 | 39,585,000 | 40,447,000 |
| Equity capital | 22,640,000 | 22,138,000 | 22,590,000 | 22,996,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,470,000 | 4,909,000 | 7,301,000 | 9,645,000 |
| Interest expense | 614,000 | 1,157,000 | 1,662,000 | 2,132,000 |
| Net interest income | 1,856,000 | 3,752,000 | 5,639,000 | 7,513,000 |
| Noninterest income | 82,000 | 384,000 | 601,000 | 830,000 |
| Noninterest expense | 1,432,000 | 2,763,000 | 4,167,000 | 5,376,000 |
| Provision for loan losses | 249,000 | 4,498,000 | 5,147,000 | 5,396,000 |
| Pretax income | 257,000 | -2,398,000 | -2,347,000 | -1,702,000 |
| Income tax | 48,000 | -998,000 | -1,003,000 | -867,000 |
| Net income | 209,000 | -1,400,000 | -1,344,000 | -835,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,370,000 | 17,272,000 | 17,919,000 | 17,959,000 |
| Total capital | 20,205,000 | 19,112,000 | 19,710,000 | 19,734,000 |
| Risk-weighted assets | 145,173,000 | 143,012,000 | 140,961,000 | 139,455,000 |