Call reports 2015
UNB BANK — 2015
What UNB BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 124,938,000 | 127,791,000 | 123,959,000 | 126,987,000 |
| Total loans | 84,506,000 | 85,826,000 | 86,355,000 | 87,370,000 |
| Allowance for loan losses | 814,000 | 809,000 | 799,000 | 810,000 |
| Securities available for sale | 33,384,000 | 34,458,000 | 28,489,000 | 32,369,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,677,000 | 109,388,000 | 109,363,000 | 109,987,000 |
| Interest-bearing deposits | 89,658,000 | 90,654,000 | 89,506,000 | 89,227,000 |
| Noninterest-bearing deposits | 19,019,000 | 18,734,000 | 19,857,000 | 20,760,000 |
| Equity capital | 13,580,000 | 13,284,000 | 13,498,000 | 13,432,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,015,000 | 2,012,000 | 3,006,000 | 4,001,000 |
| Interest expense | 193,000 | 391,000 | 590,000 | 790,000 |
| Net interest income | 822,000 | 1,621,000 | 2,416,000 | 3,211,000 |
| Noninterest income | 98,000 | 202,000 | 308,000 | 394,000 |
| Noninterest expense | 928,000 | 1,788,000 | 2,659,000 | 3,372,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | -23,000 | 85,000 | 230,000 | 384,000 |
| Income tax | 0 | 0 | 0 | -29,000 |
| Net income | -23,000 | 85,000 | 230,000 | 413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,350,000 | 13,399,000 | 13,545,000 | 13,567,000 |
| Total capital | 14,125,000 | 14,153,000 | 14,292,000 | 14,314,000 |
| Risk-weighted assets | 61,948,000 | 60,275,000 | 59,675,000 | 59,721,000 |