Call reports 2006
UNB BANK — 2006
What UNB BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 99,770,000 | 100,647,000 | 102,631,000 | 101,171,000 |
| Total loans | 57,084,000 | 60,137,000 | 60,936,000 | 62,755,000 |
| Allowance for loan losses | 564,000 | 553,000 | 566,000 | 577,000 |
| Securities available for sale | 30,972,000 | 33,227,000 | 34,189,000 | 30,214,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,445,000 | 88,420,000 | 91,612,000 | 90,658,000 |
| Interest-bearing deposits | 76,865,000 | 75,971,000 | 79,987,000 | 79,100,000 |
| Noninterest-bearing deposits | 12,580,000 | 12,449,000 | 11,624,000 | 11,558,000 |
| Equity capital | 9,368,000 | 9,189,000 | 9,629,000 | 9,453,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,303,000 | 2,649,000 | 4,126,000 | 5,589,000 |
| Interest expense | 550,000 | 1,122,000 | 1,762,000 | 2,433,000 |
| Net interest income | 753,000 | 1,527,000 | 2,364,000 | 3,156,000 |
| Noninterest income | 108,000 | 253,000 | 393,000 | 536,000 |
| Noninterest expense | 751,000 | 1,508,000 | 2,255,000 | 3,447,000 |
| Provision for loan losses | 6,000 | 12,000 | 22,000 | 34,000 |
| Pretax income | 105,000 | 266,000 | 486,000 | 217,000 |
| Income tax | 21,000 | 70,000 | 141,000 | 44,000 |
| Net income | 84,000 | 196,000 | 345,000 | 173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,768,000 | 9,822,000 | 9,971,000 | 9,681,000 |
| Total capital | 10,332,000 | 10,375,000 | 10,537,000 | 10,258,000 |
| Risk-weighted assets | 56,677,000 | 58,096,000 | 58,627,000 | 58,346,000 |