Call reports 2009
UNION STATE BANK — 2009
What UNION STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 55,551,000 | 57,568,000 | 57,414,000 | 57,435,000 |
| Total loans | 33,528,000 | 34,742,000 | 35,158,000 | 35,225,000 |
| Allowance for loan losses | 250,000 | 270,000 | 487,000 | 278,000 |
| Securities available for sale | 14,291,000 | 14,757,000 | 14,932,000 | 14,550,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,064,000 | 46,260,000 | 44,062,000 | 44,498,000 |
| Interest-bearing deposits | 41,669,000 | 43,562,000 | 41,743,000 | 41,821,000 |
| Noninterest-bearing deposits | 2,395,000 | 2,698,000 | 2,320,000 | 2,677,000 |
| Equity capital | 9,269,000 | 9,280,000 | 9,466,000 | 9,524,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 769,000 | 1,554,000 | 2,346,000 | 2,997,000 |
| Interest expense | 264,000 | 524,000 | 767,000 | 984,000 |
| Net interest income | 505,000 | 1,030,000 | 1,579,000 | 2,013,000 |
| Noninterest income | 51,000 | 112,000 | 167,000 | 210,000 |
| Noninterest expense | 292,000 | 618,000 | 953,000 | 1,208,000 |
| Provision for loan losses | 3,000 | 23,000 | 251,000 | 273,000 |
| Pretax income | 261,000 | 501,000 | 542,000 | 742,000 |
| Income tax | 13,000 | 26,000 | 42,000 | 52,000 |
| Net income | 248,000 | 475,000 | 500,000 | 690,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,139,000 | 4,216,000 | 4,069,000 | 4,201,000 |
| Total capital | 4,389,000 | 4,486,000 | 4,505,000 | 4,479,000 |
| Risk-weighted assets | 32,713,000 | 34,704,000 | 34,978,000 | 34,931,000 |