Call reports 2023
UNB BANK — 2023
What UNB BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 157,909,000 | 159,528,000 | 159,808,000 | 162,429,000 |
| Total loans | 87,302,000 | 88,795,000 | 89,414,000 | 89,841,000 |
| Allowance for loan losses | 880,000 | 887,000 | 893,000 | 894,000 |
| Securities available for sale | 48,773,000 | 46,341,000 | 43,339,000 | 44,847,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,368,000 | 150,571,000 | 152,025,000 | 152,580,000 |
| Interest-bearing deposits | 104,061,000 | 106,904,000 | 107,735,000 | 109,026,000 |
| Noninterest-bearing deposits | 44,307,000 | 43,667,000 | 44,290,000 | 43,554,000 |
| Equity capital | 8,577,000 | 7,936,000 | 6,735,000 | 8,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,177,000 | 2,412,000 | 3,733,000 | 5,103,000 |
| Interest expense | 172,000 | 447,000 | 784,000 | 1,177,000 |
| Net interest income | 1,005,000 | 1,965,000 | 2,949,000 | 3,926,000 |
| Noninterest income | 112,000 | 237,000 | 363,000 | 484,000 |
| Noninterest expense | 998,000 | 2,007,000 | 3,031,000 | 3,971,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 113,000 | 183,000 | 263,000 | 415,000 |
| Income tax | 17,000 | 28,000 | 34,000 | 60,000 |
| Net income | 96,000 | 155,000 | 229,000 | 355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,235,000 | 15,232,000 | 15,306,000 | 15,347,000 |