Call reports 2016
UNIBANK — 2016
What UNIBANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 282,629,000 | 244,769,000 | 254,080,000 | 258,451,000 |
| Total loans | 173,279,000 | 183,556,000 | 184,200,000 | 169,765,000 |
| Allowance for loan losses | 2,885,000 | 3,086,000 | 3,083,000 | 3,037,000 |
| Securities available for sale | 13,324,000 | 14,761,000 | 15,753,000 | 16,193,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,266,000 | 209,279,000 | 216,990,000 | 221,133,000 |
| Interest-bearing deposits | 184,841,000 | 166,963,000 | 174,976,000 | 177,827,000 |
| Noninterest-bearing deposits | 63,426,000 | 42,316,000 | 42,014,000 | 43,307,000 |
| Equity capital | 34,050,000 | 34,959,000 | 36,179,000 | 36,685,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,622,000 | 5,440,000 | 8,046,000 | 10,901,000 |
| Interest expense | 427,000 | 820,000 | 1,199,000 | 1,585,000 |
| Net interest income | 2,195,000 | 4,620,000 | 6,847,000 | 9,316,000 |
| Noninterest income | 271,000 | 1,159,000 | 2,379,000 | 3,171,000 |
| Noninterest expense | 1,667,000 | 3,398,000 | 5,432,000 | 7,330,000 |
| Provision for loan losses | 0 | 200,000 | 200,000 | 200,000 |
| Pretax income | 799,000 | 2,181,000 | 3,594,000 | 4,957,000 |
| Income tax | 86,000 | 613,000 | 1,026,000 | 1,295,000 |
| Net income | 713,000 | 1,568,000 | 2,568,000 | 3,662,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,519,000 | 34,377,000 | 35,590,000 | 36,456,000 |
| Total capital | 35,865,000 | 36,925,000 | 38,170,000 | 38,870,000 |
| Risk-weighted assets | 187,145,000 | 203,312,000 | 205,887,000 | 192,355,000 |