Call reports 2015
UNISON BANK — 2015
What UNISON BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 253,329,000 | 253,234,000 | 257,149,000 | 266,241,000 |
| Total loans | 165,918,000 | 170,431,000 | 182,451,000 | 191,867,000 |
| Allowance for loan losses | 3,612,000 | 3,615,000 | 3,616,000 | 3,597,000 |
| Securities available for sale | 57,887,000 | 57,794,000 | 57,419,000 | 54,423,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,181,000 | 208,694,000 | 198,840,000 | 203,334,000 |
| Interest-bearing deposits | 145,213,000 | 147,693,000 | 143,114,000 | 139,300,000 |
| Noninterest-bearing deposits | 63,968,000 | 61,001,000 | 55,726,000 | 64,034,000 |
| Equity capital | 26,912,000 | 27,302,000 | 28,536,000 | 28,297,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,631,000 | 5,303,000 | 8,069,000 | 10,972,000 |
| Interest expense | 275,000 | 555,000 | 844,000 | 1,148,000 |
| Net interest income | 2,356,000 | 4,748,000 | 7,225,000 | 9,824,000 |
| Noninterest income | 333,000 | 721,000 | 1,208,000 | 1,697,000 |
| Noninterest expense | 1,479,000 | 3,260,000 | 5,353,000 | 7,040,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,210,000 | 2,209,000 | 3,080,000 | 4,481,000 |
| Income tax | 355,000 | 626,000 | 370,000 | 796,000 |
| Net income | 855,000 | 1,583,000 | 2,710,000 | 3,685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,823,000 | 23,157,000 | 23,785,000 | 23,727,000 |
| Total capital | 24,967,000 | 25,440,000 | 26,167,000 | 26,179,000 |
| Risk-weighted assets | 169,423,000 | 181,036,000 | 188,112,000 | 193,845,000 |