Call reports 2013
UNB BANK — 2013
What UNB BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 129,523,000 | 129,964,000 | 127,508,000 | 125,750,000 |
| Total loans | 77,072,000 | 77,334,000 | 76,184,000 | 75,943,000 |
| Allowance for loan losses | 824,000 | 848,000 | 875,000 | 844,000 |
| Securities available for sale | 43,312,000 | 42,407,000 | 42,602,000 | 41,618,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,720,000 | 116,185,000 | 113,950,000 | 109,595,000 |
| Interest-bearing deposits | 96,781,000 | 98,287,000 | 95,824,000 | 92,628,000 |
| Noninterest-bearing deposits | 17,940,000 | 17,898,000 | 18,126,000 | 16,967,000 |
| Equity capital | 13,473,000 | 12,757,000 | 12,596,000 | 12,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,162,000 | 2,277,000 | 3,364,000 | 4,427,000 |
| Interest expense | 270,000 | 522,000 | 756,000 | 980,000 |
| Net interest income | 892,000 | 1,755,000 | 2,608,000 | 3,447,000 |
| Noninterest income | 140,000 | 261,000 | 382,000 | 490,000 |
| Noninterest expense | 918,000 | 1,772,000 | 2,655,000 | 3,520,000 |
| Provision for loan losses | 49,000 | 73,000 | 97,000 | 97,000 |
| Pretax income | 124,000 | 380,000 | 612,000 | 694,000 |
| Income tax | 0 | 16,000 | 27,000 | 0 |
| Net income | 124,000 | 364,000 | 585,000 | 694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,762,000 | 12,944,000 | 13,165,000 | 13,114,000 |
| Total capital | 13,589,000 | 13,769,000 | 13,976,000 | 13,920,000 |
| Risk-weighted assets | 67,155,000 | 66,976,000 | 65,824,000 | 64,430,000 |