Call reports 2019
UNB BANK — 2019
What UNB BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 145,683,000 | 147,066,000 | 146,829,000 | 145,799,000 |
| Total loans | 94,839,000 | 93,856,000 | 92,191,000 | 93,449,000 |
| Allowance for loan losses | 771,000 | 776,000 | 778,000 | 784,000 |
| Securities available for sale | 29,097,000 | 35,374,000 | 39,647,000 | 36,978,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,956,000 | 131,819,000 | 131,403,000 | 130,475,000 |
| Interest-bearing deposits | 102,211,000 | 102,407,000 | 102,197,000 | 101,421,000 |
| Noninterest-bearing deposits | 28,745,000 | 29,412,000 | 29,206,000 | 29,054,000 |
| Equity capital | 13,698,000 | 14,178,000 | 14,300,000 | 14,244,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,158,000 | 2,337,000 | 3,526,000 | 4,688,000 |
| Interest expense | 273,000 | 565,000 | 867,000 | 1,165,000 |
| Net interest income | 885,000 | 1,772,000 | 2,659,000 | 3,523,000 |
| Noninterest income | 107,000 | 220,000 | 335,000 | 455,000 |
| Noninterest expense | 896,000 | 1,760,000 | 2,646,000 | 3,477,000 |
| Provision for loan losses | 0 | 6,000 | 12,000 | 18,000 |
| Pretax income | 96,000 | 226,000 | 336,000 | 483,000 |
| Income tax | 6,000 | 28,000 | 42,000 | 71,000 |
| Net income | 90,000 | 198,000 | 294,000 | 412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,998,000 | 14,049,000 | 14,145,000 | 14,177,000 |
| Total capital | 14,799,000 | 14,855,000 | 14,919,000 | 14,991,000 |
| Risk-weighted assets | 67,875,000 | 65,704,000 | 61,881,000 | 65,605,000 |