Call reports 2011
UNB BANK — 2011
What UNB BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 127,999,000 | 129,886,000 | 132,260,000 | 131,472,000 |
| Total loans | 80,808,000 | 81,622,000 | 80,282,000 | 81,804,000 |
| Allowance for loan losses | 731,000 | 746,000 | 782,000 | 813,000 |
| Securities available for sale | 40,530,000 | 40,821,000 | 44,139,000 | 41,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,293,000 | 116,255,000 | 117,800,000 | 116,973,000 |
| Interest-bearing deposits | 98,067,000 | 98,360,000 | 101,204,000 | 100,765,000 |
| Noninterest-bearing deposits | 17,225,000 | 17,895,000 | 16,595,000 | 16,208,000 |
| Equity capital | 11,645,000 | 12,282,000 | 12,880,000 | 12,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,463,000 | 2,908,000 | 4,329,000 | 5,700,000 |
| Interest expense | 492,000 | 967,000 | 1,446,000 | 1,901,000 |
| Net interest income | 971,000 | 1,941,000 | 2,883,000 | 3,799,000 |
| Noninterest income | 229,000 | 354,000 | 491,000 | 621,000 |
| Noninterest expense | 925,000 | 1,832,000 | 2,738,000 | 3,490,000 |
| Provision for loan losses | 15,000 | 30,000 | 65,000 | 139,000 |
| Pretax income | 260,000 | 433,000 | 671,000 | 884,000 |
| Income tax | 14,000 | 28,000 | 51,000 | 99,000 |
| Net income | 246,000 | 405,000 | 620,000 | 785,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,657,000 | 11,759,000 | 11,974,000 | 11,978,000 |
| Total capital | 12,401,000 | 12,518,000 | 12,769,000 | 12,804,000 |
| Risk-weighted assets | 68,062,000 | 68,409,000 | 67,428,000 | 68,861,000 |