Call reports 2016
UNB BANK — 2016
What UNB BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 127,644,000 | 129,225,000 | 131,954,000 | 132,833,000 |
| Total loans | 87,862,000 | 86,710,000 | 89,549,000 | 92,135,000 |
| Allowance for loan losses | 825,000 | 840,000 | 846,000 | 818,000 |
| Securities available for sale | 32,456,000 | 32,552,000 | 35,138,000 | 32,633,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,905,000 | 111,454,000 | 117,203,000 | 116,947,000 |
| Interest-bearing deposits | 93,560,000 | 91,248,000 | 97,050,000 | 96,001,000 |
| Noninterest-bearing deposits | 19,345,000 | 20,206,000 | 20,154,000 | 20,946,000 |
| Equity capital | 13,618,000 | 13,707,000 | 13,675,000 | 13,383,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 997,000 | 1,955,000 | 2,942,000 | 3,941,000 |
| Interest expense | 197,000 | 394,000 | 597,000 | 801,000 |
| Net interest income | 800,000 | 1,561,000 | 2,345,000 | 3,140,000 |
| Noninterest income | 91,000 | 194,000 | 299,000 | 410,000 |
| Noninterest expense | 875,000 | 1,744,000 | 2,639,000 | 3,443,000 |
| Provision for loan losses | 15,000 | 30,000 | 33,000 | 19,000 |
| Pretax income | 108,000 | 116,000 | 107,000 | 223,000 |
| Income tax | 0 | 0 | 0 | -27,000 |
| Net income | 108,000 | 116,000 | 107,000 | 250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,675,000 | 13,621,000 | 13,613,000 | 13,669,000 |
| Total capital | 14,390,000 | 14,340,000 | 14,349,000 | 14,416,000 |
| Risk-weighted assets | 57,104,000 | 57,389,000 | 58,771,000 | 59,631,000 |