Call reports 2005
UNIBANK FOR SAVINGS — 2005
What UNIBANK FOR SAVINGS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 582,820,000 | 605,325,000 | 607,235,000 | 598,591,000 |
| Total loans | 293,397,000 | 306,913,000 | 317,667,000 | 322,665,000 |
| Allowance for loan losses | 5,136,000 | 5,118,000 | 5,188,000 | 5,164,000 |
| Securities available for sale | 109,864,000 | 96,231,000 | 86,914,000 | 74,780,000 |
| Securities held to maturity | 115,893,000 | 114,802,000 | 106,430,000 | 99,736,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 519,501,000 | 541,572,000 | 542,698,000 | 535,202,000 |
| Interest-bearing deposits | 479,461,000 | 510,912,000 | 512,570,000 | 505,607,000 |
| Noninterest-bearing deposits | 40,040,000 | 30,660,000 | 30,128,000 | 29,595,000 |
| Equity capital | 48,250,000 | 49,176,000 | 50,128,000 | 49,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,783,000 | 11,739,000 | 17,956,000 | 24,271,000 |
| Interest expense | 1,476,000 | 3,451,000 | 5,475,000 | 7,691,000 |
| Net interest income | 4,307,000 | 8,288,000 | 12,481,000 | 16,580,000 |
| Noninterest income | 2,034,000 | 4,690,000 | 6,865,000 | 8,995,000 |
| Noninterest expense | 5,582,000 | 11,233,000 | 16,321,000 | 22,250,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 781,000 | 1,766,000 | 3,046,000 | 3,403,000 |
| Income tax | 224,000 | 531,000 | 953,000 | 1,488,000 |
| Net income | 557,000 | 1,235,000 | 2,093,000 | 1,915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,173,000 | 41,910,000 | 42,826,000 | 43,906,000 |
| Total capital | 47,184,000 | 48,080,000 | 49,212,000 | 50,189,000 |
| Risk-weighted assets | 398,250,000 | 414,286,000 | 416,181,000 | 410,968,000 |