Call reports 2014
UNB BANK — 2014
What UNB BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 123,638,000 | 124,586,000 | 125,272,000 | 123,958,000 |
| Total loans | 75,871,000 | 76,625,000 | 77,657,000 | 82,230,000 |
| Allowance for loan losses | 859,000 | 827,000 | 791,000 | 806,000 |
| Securities available for sale | 39,142,000 | 39,255,000 | 38,029,000 | 33,600,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,657,000 | 110,323,000 | 110,880,000 | 107,180,000 |
| Interest-bearing deposits | 90,669,000 | 93,007,000 | 93,280,000 | 88,557,000 |
| Noninterest-bearing deposits | 18,989,000 | 17,315,000 | 17,600,000 | 18,623,000 |
| Equity capital | 13,001,000 | 13,186,000 | 13,338,000 | 13,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,012,000 | 2,005,000 | 3,014,000 | 4,032,000 |
| Interest expense | 211,000 | 409,000 | 602,000 | 792,000 |
| Net interest income | 801,000 | 1,596,000 | 2,412,000 | 3,240,000 |
| Noninterest income | 97,000 | 209,000 | 366,000 | 473,000 |
| Noninterest expense | 899,000 | 1,800,000 | 2,696,000 | 3,489,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 285,000 | 276,000 | 338,000 | 468,000 |
| Income tax | 7,000 | 7,000 | 7,000 | -13,000 |
| Net income | 278,000 | 269,000 | 331,000 | 481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,392,000 | 13,326,000 | 13,383,000 | 13,372,000 |
| Total capital | 14,160,000 | 14,113,000 | 14,178,000 | 14,150,000 |
| Risk-weighted assets | 62,293,000 | 62,929,000 | 63,552,000 | 62,168,000 |