Call reports 2012
UNB BANK — 2012
What UNB BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 131,635,000 | 132,676,000 | 130,802,000 | 131,692,000 |
| Total loans | 80,817,000 | 79,614,000 | 78,757,000 | 78,080,000 |
| Allowance for loan losses | 837,000 | 893,000 | 918,000 | 807,000 |
| Securities available for sale | 41,100,000 | 43,799,000 | 44,511,000 | 40,969,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,317,000 | 118,035,000 | 115,476,000 | 116,606,000 |
| Interest-bearing deposits | 100,107,000 | 100,732,000 | 99,790,000 | 99,303,000 |
| Noninterest-bearing deposits | 17,210,000 | 17,302,000 | 15,685,000 | 17,303,000 |
| Equity capital | 12,944,000 | 13,171,000 | 13,520,000 | 13,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,327,000 | 2,620,000 | 3,886,000 | 5,103,000 |
| Interest expense | 430,000 | 807,000 | 1,151,000 | 1,465,000 |
| Net interest income | 897,000 | 1,813,000 | 2,735,000 | 3,638,000 |
| Noninterest income | 168,000 | 317,000 | 497,000 | 681,000 |
| Noninterest expense | 893,000 | 1,854,000 | 2,786,000 | 3,542,000 |
| Provision for loan losses | 24,000 | 93,000 | 117,000 | 141,000 |
| Pretax income | 256,000 | 463,000 | 609,000 | 1,076,000 |
| Income tax | 34,000 | 30,000 | 9,000 | 114,000 |
| Net income | 222,000 | 433,000 | 600,000 | 962,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,201,000 | 12,344,000 | 12,511,000 | 12,638,000 |
| Total capital | 13,047,000 | 13,197,000 | 13,359,000 | 13,458,000 |
| Risk-weighted assets | 68,858,000 | 69,246,000 | 68,849,000 | 68,175,000 |