Call reports 2015
UNIBANK FOR SAVINGS — 2015
What UNIBANK FOR SAVINGS 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 | 1,519,534,000 | 1,529,638,000 | 1,505,202,000 | 1,501,896,000 |
| Total loans | 1,049,117,000 | 1,059,267,000 | 1,066,277,000 | 1,046,023,000 |
| Allowance for loan losses | 10,038,000 | 10,230,000 | 10,101,000 | 9,964,000 |
| Securities available for sale | 281,093,000 | 291,180,000 | 299,309,000 | 305,208,000 |
| Securities held to maturity | 25,316,000 | 36,337,000 | 35,070,000 | 30,640,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,394,969,000 | 1,400,484,000 | 1,374,120,000 | 1,370,352,000 |
| Interest-bearing deposits | 1,302,688,000 | 1,296,367,000 | 1,274,525,000 | 1,262,174,000 |
| Noninterest-bearing deposits | 92,281,000 | 104,117,000 | 99,595,000 | 108,178,000 |
| Equity capital | 116,783,000 | 117,945,000 | 122,381,000 | 122,885,000 |
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 | 11,805,000 | 23,918,000 | 35,787,000 | 47,546,000 |
| Interest expense | 1,044,000 | 2,078,000 | 2,983,000 | 3,927,000 |
| Net interest income | 10,761,000 | 21,840,000 | 32,804,000 | 43,619,000 |
| Noninterest income | 2,339,000 | 5,425,000 | 8,110,000 | 10,622,000 |
| Noninterest expense | 9,138,000 | 18,513,000 | 28,460,000 | 38,430,000 |
| Provision for loan losses | 425,000 | 650,000 | 537,000 | 570,000 |
| Pretax income | 3,339,000 | 7,904,000 | 11,719,000 | 15,043,000 |
| Income tax | 1,178,000 | 2,821,000 | 4,053,000 | 5,142,000 |
| Net income | 2,161,000 | 5,083,000 | 7,666,000 | 9,901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 117,473,000 | 120,396,000 | 122,979,000 | 125,214,000 |
| Total capital | 127,618,000 | 130,759,000 | 133,401,000 | 135,491,000 |
| Risk-weighted assets | 991,111,000 | 1,010,534,000 | 1,071,172,000 | 1,042,909,000 |