Call reports 2015
NATIONAL UNITED — 2015
What NATIONAL UNITED 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 | 580,597,000 | 597,415,000 | 580,015,000 | 578,593,000 |
| Total loans | 357,004,000 | 351,681,000 | 337,021,000 | 339,157,000 |
| Allowance for loan losses | 6,142,000 | 6,025,000 | 5,997,000 | 5,840,000 |
| Securities available for sale | 139,339,000 | 136,410,000 | 128,162,000 | 126,038,000 |
| Securities held to maturity | 19,316,000 | 18,053,000 | 15,514,000 | 15,985,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 520,806,000 | 537,115,000 | 519,000,000 | 517,722,000 |
| Interest-bearing deposits | 487,478,000 | 502,334,000 | 486,681,000 | 482,588,000 |
| Noninterest-bearing deposits | 33,328,000 | 34,781,000 | 32,319,000 | 35,134,000 |
| Equity capital | 58,887,000 | 59,340,000 | 60,029,000 | 60,159,000 |
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 | 5,577,000 | 11,164,000 | 16,557,000 | 21,832,000 |
| Interest expense | 394,000 | 793,000 | 1,185,000 | 1,568,000 |
| Net interest income | 5,183,000 | 10,371,000 | 15,372,000 | 20,264,000 |
| Noninterest income | 1,002,000 | 2,098,000 | 3,267,000 | 4,278,000 |
| Noninterest expense | 4,315,000 | 8,437,000 | 12,806,000 | 16,938,000 |
| Provision for loan losses | 610,000 | 984,000 | 1,031,000 | 1,032,000 |
| Pretax income | 1,260,000 | 3,048,000 | 4,802,000 | 6,572,000 |
| Income tax | 297,000 | 726,000 | 1,231,000 | 1,766,000 |
| Net income | 963,000 | 2,322,000 | 3,571,000 | 4,806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,320,000 | 58,971,000 | 59,510,000 | 60,037,000 |
| Total capital | 63,563,000 | 64,078,000 | 64,423,000 | 64,961,000 |
| Risk-weighted assets | 418,575,000 | 407,648,000 | 391,933,000 | 393,001,000 |