Call reports 2005
UNB BANK — 2005
What UNB BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 96,634,000 | 96,809,000 | 96,420,000 | 98,081,000 |
| Total loans | 60,962,000 | 60,765,000 | 57,575,000 | 57,794,000 |
| Allowance for loan losses | 537,000 | 576,000 | 584,000 | 583,000 |
| Securities available for sale | 26,735,000 | 26,746,000 | 29,169,000 | 31,012,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,264,000 | 86,357,000 | 85,706,000 | 87,725,000 |
| Interest-bearing deposits | 75,024,000 | 75,472,000 | 74,885,000 | 74,918,000 |
| Noninterest-bearing deposits | 11,239,000 | 10,885,000 | 10,821,000 | 12,807,000 |
| Equity capital | 9,355,000 | 9,407,000 | 9,569,000 | 9,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,205,000 | 2,429,000 | 3,664,000 | 4,936,000 |
| Interest expense | 429,000 | 891,000 | 1,389,000 | 1,920,000 |
| Net interest income | 776,000 | 1,538,000 | 2,275,000 | 3,016,000 |
| Noninterest income | 102,000 | 216,000 | 348,000 | 439,000 |
| Noninterest expense | 710,000 | 1,432,000 | 2,169,000 | 2,938,000 |
| Provision for loan losses | 18,000 | 36,000 | 49,000 | 48,000 |
| Pretax income | 150,000 | 286,000 | 405,000 | 469,000 |
| Income tax | 38,000 | 69,000 | 96,000 | 101,000 |
| Net income | 112,000 | 217,000 | 309,000 | 368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,649,000 | 9,650,000 | 9,743,000 | 9,684,000 |
| Total capital | 10,186,000 | 10,226,000 | 10,327,000 | 10,267,000 |
| Risk-weighted assets | 59,923,000 | 60,146,000 | 56,919,000 | 57,771,000 |