Call reports 2014
UNIBANK — 2014
What UNIBANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 230,394,000 | 223,960,000 | 228,770,000 | 232,486,000 |
| Total loans | 179,304,000 | 167,269,000 | 173,594,000 | 164,802,000 |
| Allowance for loan losses | 2,701,000 | 3,000,000 | 3,000,000 | 3,023,000 |
| Securities available for sale | 20,382,000 | 20,523,000 | 18,594,000 | 18,639,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,858,000 | 176,073,000 | 180,063,000 | 182,534,000 |
| Interest-bearing deposits | 163,737,000 | 146,893,000 | 150,780,000 | 154,558,000 |
| Noninterest-bearing deposits | 24,122,000 | 29,181,000 | 29,283,000 | 27,976,000 |
| Equity capital | 31,729,000 | 32,884,000 | 33,709,000 | 34,826,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,588,000 | 5,382,000 | 8,206,000 | 10,733,000 |
| Interest expense | 377,000 | 758,000 | 1,161,000 | 1,564,000 |
| Net interest income | 2,211,000 | 4,624,000 | 7,045,000 | 9,169,000 |
| Noninterest income | 219,000 | 1,505,000 | 1,886,000 | 3,965,000 |
| Noninterest expense | 1,644,000 | 3,388,000 | 4,821,000 | 7,010,000 |
| Provision for loan losses | 100,000 | 555,000 | 772,000 | 1,193,000 |
| Pretax income | 686,000 | 2,186,000 | 3,338,000 | 4,931,000 |
| Income tax | 159,000 | 634,000 | 1,042,000 | 1,570,000 |
| Net income | 527,000 | 1,552,000 | 2,296,000 | 3,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,188,000 | 32,207,000 | 32,972,000 | 33,998,000 |
| Total capital | 33,560,000 | 34,459,000 | 35,190,000 | 36,210,000 |
| Risk-weighted assets | 189,437,000 | 179,356,000 | 176,624,000 | 176,107,000 |