Call reports 2016
UNISON BANK — 2016
What UNISON BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 270,707,000 | 265,459,000 | 273,335,000 | 273,852,000 |
| Total loans | 193,342,000 | 194,718,000 | 196,430,000 | 195,414,000 |
| Allowance for loan losses | 3,640,000 | 3,838,000 | 3,952,000 | 4,017,000 |
| Securities available for sale | 52,060,000 | 51,778,000 | 50,271,000 | 48,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,097,000 | 211,716,000 | 218,912,000 | 225,547,000 |
| Interest-bearing deposits | 159,521,000 | 157,647,000 | 162,633,000 | 161,728,000 |
| Noninterest-bearing deposits | 55,576,000 | 54,069,000 | 56,279,000 | 63,819,000 |
| Equity capital | 29,289,000 | 30,239,000 | 31,171,000 | 29,935,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,844,000 | 5,776,000 | 8,829,000 | 11,783,000 |
| Interest expense | 344,000 | 718,000 | 1,105,000 | 1,491,000 |
| Net interest income | 2,500,000 | 5,058,000 | 7,724,000 | 10,292,000 |
| Noninterest income | 394,000 | 794,000 | 1,369,000 | 1,821,000 |
| Noninterest expense | 1,772,000 | 3,455,000 | 5,059,000 | 6,742,000 |
| Provision for loan losses | 40,000 | 160,000 | 280,000 | 280,000 |
| Pretax income | 1,171,000 | 2,382,000 | 3,899,000 | 5,236,000 |
| Income tax | 245,000 | 598,000 | 1,070,000 | 1,474,000 |
| Net income | 926,000 | 1,784,000 | 2,829,000 | 3,762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,575,000 | 25,496,000 | 26,456,000 | 25,639,000 |
| Total capital | 27,139,000 | 27,973,000 | 29,058,000 | 28,247,000 |
| Risk-weighted assets | 202,777,000 | 195,659,000 | 205,163,000 | 205,319,000 |