Call reports 2014
UNISON BANK — 2014
What UNISON BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 228,456,000 | 252,763,000 | 246,784,000 | 254,666,000 |
| Total loans | 151,202,000 | 157,454,000 | 166,256,000 | 169,245,000 |
| Allowance for loan losses | 3,369,000 | 3,367,000 | 3,370,000 | 3,376,000 |
| Securities available for sale | 53,471,000 | 58,389,000 | 58,111,000 | 57,762,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,579,000 | 202,522,000 | 199,985,000 | 208,122,000 |
| Interest-bearing deposits | 130,038,000 | 146,922,000 | 141,600,000 | 138,390,000 |
| Noninterest-bearing deposits | 50,541,000 | 55,600,000 | 58,385,000 | 69,732,000 |
| Equity capital | 24,236,000 | 25,337,000 | 26,001,000 | 25,904,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,338,000 | 4,751,000 | 7,295,000 | 9,857,000 |
| Interest expense | 277,000 | 584,000 | 884,000 | 1,167,000 |
| Net interest income | 2,061,000 | 4,167,000 | 6,411,000 | 8,690,000 |
| Noninterest income | 214,000 | 521,000 | 893,000 | 1,322,000 |
| Noninterest expense | 1,382,000 | 2,850,000 | 4,532,000 | 6,101,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 893,000 | 1,838,000 | 2,772,000 | 3,911,000 |
| Income tax | 215,000 | 482,000 | 725,000 | 1,010,000 |
| Net income | 678,000 | 1,356,000 | 2,047,000 | 2,901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,705,000 | 21,505,000 | 22,210,000 | 21,922,000 |
| Total capital | 22,729,000 | 23,576,000 | 24,390,000 | 24,129,000 |
| Risk-weighted assets | 159,790,000 | 163,692,000 | 172,447,000 | 174,759,000 |