Call reports 2015
UNIBANK — 2015
What UNIBANK 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 | 235,372,000 | 237,055,000 | 272,359,000 | 278,408,000 |
| Total loans | 171,209,000 | 180,968,000 | 183,980,000 | 161,729,000 |
| Allowance for loan losses | 2,903,000 | 2,839,000 | 2,914,000 | 2,885,000 |
| Securities available for sale | 16,934,000 | 15,712,000 | 13,373,000 | 13,370,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,271,000 | 199,876,000 | 239,328,000 | 243,661,000 |
| Interest-bearing deposits | 157,064,000 | 165,488,000 | 175,199,000 | 180,901,000 |
| Noninterest-bearing deposits | 32,207,000 | 34,388,000 | 64,129,000 | 62,761,000 |
| Equity capital | 35,229,000 | 35,909,000 | 31,613,000 | 33,318,000 |
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 | 2,416,000 | 4,936,000 | 7,652,000 | 10,506,000 |
| Interest expense | 394,000 | 801,000 | 1,230,000 | 1,657,000 |
| Net interest income | 2,022,000 | 4,135,000 | 6,422,000 | 8,849,000 |
| Noninterest income | 249,000 | 543,000 | 922,000 | 3,382,000 |
| Noninterest expense | 1,707,000 | 3,414,000 | 5,182,000 | 7,495,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 657,000 | 1,357,000 | 2,255,000 | 4,829,000 |
| Income tax | 209,000 | 403,000 | 703,000 | 1,597,000 |
| Net income | 448,000 | 954,000 | 1,552,000 | 3,232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,634,000 | 35,446,000 | 31,102,000 | 32,793,000 |
| Total capital | 36,989,000 | 37,756,000 | 33,425,000 | 35,069,000 |
| Risk-weighted assets | 187,932,000 | 184,274,000 | 185,283,000 | 181,510,000 |