Call reports 2020
UNISON BANK — 2020
What UNISON BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 350,843,000 | 386,298,000 | 389,475,000 | 402,351,000 |
| Total loans | 237,664,000 | 278,272,000 | 279,789,000 | 294,740,000 |
| Allowance for loan losses | 4,110,000 | 4,191,000 | 4,211,000 | 4,272,000 |
| Securities available for sale | 69,252,000 | 80,010,000 | 85,635,000 | 81,389,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,962,000 | 320,099,000 | 321,540,000 | 315,220,000 |
| Interest-bearing deposits | 228,452,000 | 242,697,000 | 239,907,000 | 228,472,000 |
| Noninterest-bearing deposits | 59,510,000 | 77,402,000 | 81,633,000 | 86,748,000 |
| Equity capital | 36,742,000 | 39,620,000 | 40,932,000 | 40,060,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,997,000 | 8,518,000 | 12,677,000 | 16,849,000 |
| Interest expense | 839,000 | 1,544,000 | 2,171,000 | 2,680,000 |
| Net interest income | 3,158,000 | 6,974,000 | 10,506,000 | 14,169,000 |
| Noninterest income | 211,000 | 381,000 | 562,000 | 778,000 |
| Noninterest expense | 1,973,000 | 3,868,000 | 5,869,000 | 7,932,000 |
| Provision for loan losses | 20,000 | 100,000 | 140,000 | 200,000 |
| Pretax income | 1,376,000 | 3,431,000 | 5,105,000 | 6,903,000 |
| Income tax | 272,000 | 686,000 | 1,040,000 | 1,393,000 |
| Net income | 1,104,000 | 2,745,000 | 4,065,000 | 5,510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,450,000 | 35,121,000 | 36,462,000 | 35,484,000 |
| Total capital | 36,753,000 | 38,549,000 | 39,872,000 | 39,101,000 |
| Risk-weighted assets | 262,054,000 | 273,515,000 | 272,054,000 | 288,767,000 |