Call reports 2015
UNITED BANK OF UNION — 2015
What UNITED BANK OF UNION 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 | 305,275,000 | 296,991,000 | 300,299,000 | 298,475,000 |
| Total loans | 217,873,000 | 214,443,000 | 218,337,000 | 226,706,000 |
| Allowance for loan losses | 4,978,000 | 4,479,000 | 4,658,000 | 4,988,000 |
| Securities available for sale | 73,976,000 | 70,387,000 | 72,279,000 | 62,203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,717,000 | 262,020,000 | 261,253,000 | 259,409,000 |
| Interest-bearing deposits | 237,918,000 | 228,758,000 | 225,304,000 | 225,478,000 |
| Noninterest-bearing deposits | 28,799,000 | 33,262,000 | 35,949,000 | 33,931,000 |
| Equity capital | 32,779,000 | 32,487,000 | 33,238,000 | 33,138,000 |
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 | 2,927,000 | 5,887,000 | 8,839,000 | 11,723,000 |
| Interest expense | 391,000 | 763,000 | 1,109,000 | 1,434,000 |
| Net interest income | 2,536,000 | 5,124,000 | 7,730,000 | 10,289,000 |
| Noninterest income | 613,000 | 1,287,000 | 1,820,000 | 2,333,000 |
| Noninterest expense | 1,941,000 | 3,897,000 | 5,856,000 | 7,849,000 |
| Provision for loan losses | 110,000 | 110,000 | 210,000 | 781,000 |
| Pretax income | 1,098,000 | 2,426,000 | 3,493,000 | 3,977,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,098,000 | 2,426,000 | 3,493,000 | 3,977,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,880,000 | 32,980,000 | 33,205,000 | 33,288,000 |
| Total capital | 36,018,000 | 36,089,000 | 36,352,000 | 36,510,000 |
| Risk-weighted assets | 249,214,000 | 247,378,000 | 250,233,000 | 255,998,000 |