Call reports 2005
UNION STATE BANK — 2005
What UNION STATE BANK 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 | 43,584,000 | 44,604,000 | 44,394,000 | 45,159,000 |
| Total loans | 24,616,000 | 26,365,000 | 26,249,000 | 26,962,000 |
| Allowance for loan losses | 266,000 | 285,000 | 285,000 | 260,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,593,000 | 16,524,000 | 16,194,000 | 16,221,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,231,000 | 35,316,000 | 35,512,000 | 36,022,000 |
| Interest-bearing deposits | 33,045,000 | 33,089,000 | 32,792,000 | 33,034,000 |
| Noninterest-bearing deposits | 2,186,000 | 2,227,000 | 2,720,000 | 2,988,000 |
| Equity capital | 5,401,000 | 5,526,000 | 5,601,000 | 5,571,000 |
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 | 624,000 | 1,287,000 | 1,961,000 | 2,658,000 |
| Interest expense | 189,000 | 403,000 | 630,000 | 894,000 |
| Net interest income | 435,000 | 884,000 | 1,331,000 | 1,764,000 |
| Noninterest income | 33,000 | 75,000 | 110,000 | 132,000 |
| Noninterest expense | 238,000 | 465,000 | 785,000 | 1,051,000 |
| Provision for loan losses | 0 | 22,000 | 22,000 | 0 |
| Pretax income | 234,000 | 476,000 | 638,000 | 817,000 |
| Income tax | 65,000 | 132,000 | 169,000 | 217,000 |
| Net income | 169,000 | 344,000 | 469,000 | 600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,401,000 | 5,526,000 | 5,601,000 | 5,571,000 |
| Total capital | 5,667,000 | 5,811,000 | 5,886,000 | 5,831,000 |
| Risk-weighted assets | 26,238,000 | 27,326,000 | 27,253,000 | 27,470,000 |
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