Call reports 2010
UNB BANK — 2010
What UNB BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 126,020,000 | 126,565,000 | 131,839,000 | 130,107,000 |
| Total loans | 76,081,000 | 78,149,000 | 79,046,000 | 80,688,000 |
| Allowance for loan losses | 637,000 | 669,000 | 687,000 | 742,000 |
| Securities available for sale | 40,622,000 | 38,210,000 | 45,842,000 | 42,499,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,755,000 | 113,587,000 | 118,090,000 | 114,293,000 |
| Interest-bearing deposits | 100,267,000 | 99,760,000 | 101,740,000 | 98,123,000 |
| Noninterest-bearing deposits | 13,488,000 | 13,827,000 | 16,349,000 | 16,169,000 |
| Equity capital | 11,106,000 | 11,623,000 | 12,132,000 | 11,420,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,514,000 | 3,019,000 | 4,491,000 | 5,980,000 |
| Interest expense | 557,000 | 1,095,000 | 1,638,000 | 2,173,000 |
| Net interest income | 957,000 | 1,924,000 | 2,853,000 | 3,807,000 |
| Noninterest income | 117,000 | 246,000 | 378,000 | 519,000 |
| Noninterest expense | 870,000 | 1,722,000 | 2,585,000 | 3,387,000 |
| Provision for loan losses | 67,000 | 102,000 | 137,000 | 202,000 |
| Pretax income | 257,000 | 577,000 | 740,000 | 968,000 |
| Income tax | 50,000 | 117,000 | 133,000 | 157,000 |
| Net income | 207,000 | 460,000 | 607,000 | 811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,026,000 | 11,223,000 | 11,370,000 | 11,412,000 |
| Total capital | 11,663,000 | 11,892,000 | 12,057,000 | 12,154,000 |
| Risk-weighted assets | 68,777,000 | 69,719,000 | 70,072,000 | 69,620,000 |