Call reports 2016
NATIONAL UNITED — 2016
What NATIONAL UNITED 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 | 592,633,000 | 610,002,000 | 622,332,000 | 633,272,000 |
| Total loans | 342,466,000 | 340,451,000 | 327,227,000 | 321,684,000 |
| Allowance for loan losses | 5,871,000 | 5,904,000 | 5,826,000 | 5,591,000 |
| Securities available for sale | 125,217,000 | 128,735,000 | 130,116,000 | 135,428,000 |
| Securities held to maturity | 14,273,000 | 13,605,000 | 11,645,000 | 11,651,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 530,848,000 | 546,897,000 | 558,720,000 | 570,333,000 |
| Interest-bearing deposits | 494,719,000 | 509,340,000 | 522,039,000 | 495,347,000 |
| Noninterest-bearing deposits | 36,129,000 | 37,557,000 | 36,681,000 | 74,986,000 |
| Equity capital | 60,861,000 | 62,210,000 | 62,668,000 | 62,247,000 |
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 | 5,335,000 | 10,607,000 | 15,868,000 | 20,957,000 |
| Interest expense | 375,000 | 759,000 | 1,164,000 | 1,576,000 |
| Net interest income | 4,960,000 | 9,848,000 | 14,704,000 | 19,381,000 |
| Noninterest income | 1,319,000 | 3,045,000 | 4,145,000 | 5,126,000 |
| Noninterest expense | 4,594,000 | 8,850,000 | 12,928,000 | 17,092,000 |
| Provision for loan losses | 90,000 | 190,000 | 280,000 | 280,000 |
| Pretax income | 1,595,000 | 3,853,000 | 5,641,000 | 7,135,000 |
| Income tax | 462,000 | 819,000 | 1,399,000 | 1,709,000 |
| Net income | 1,133,000 | 3,034,000 | 4,242,000 | 5,426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,460,000 | 61,652,000 | 62,151,000 | 62,626,000 |
| Total capital | 65,752,000 | 66,773,000 | 67,307,000 | 67,707,000 |
| Risk-weighted assets | 422,788,000 | 408,922,000 | 411,811,000 | 405,888,000 |