Call reports 2009
UNB BANK — 2009
What UNB BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 113,155,000 | 117,202,000 | 122,501,000 | 124,983,000 |
| Total loans | 76,101,000 | 76,935,000 | 77,175,000 | 77,490,000 |
| Allowance for loan losses | 496,000 | 547,000 | 536,000 | 594,000 |
| Securities available for sale | 30,171,000 | 31,237,000 | 37,984,000 | 40,053,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,125,000 | 105,585,000 | 110,155,000 | 112,983,000 |
| Interest-bearing deposits | 87,042,000 | 92,540,000 | 97,807,000 | 99,459,000 |
| Noninterest-bearing deposits | 13,083,000 | 13,045,000 | 12,348,000 | 13,524,000 |
| Equity capital | 10,421,000 | 10,428,000 | 11,008,000 | 10,622,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,551,000 | 3,073,000 | 4,589,000 | 6,123,000 |
| Interest expense | 618,000 | 1,218,000 | 1,810,000 | 2,402,000 |
| Net interest income | 933,000 | 1,855,000 | 2,779,000 | 3,721,000 |
| Noninterest income | 128,000 | 274,000 | 410,000 | 544,000 |
| Noninterest expense | 818,000 | 1,687,000 | 2,544,000 | 3,386,000 |
| Provision for loan losses | 9,000 | 71,000 | 108,000 | 185,000 |
| Pretax income | 234,000 | 643,000 | 830,000 | 988,000 |
| Income tax | 74,000 | 198,000 | 231,000 | 266,000 |
| Net income | 160,000 | 445,000 | 599,000 | 722,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,464,000 | 10,692,000 | 10,847,000 | 10,821,000 |
| Total capital | 10,960,000 | 11,239,000 | 11,383,000 | 11,415,000 |
| Risk-weighted assets | 66,436,000 | 67,145,000 | 70,991,000 | 70,321,000 |