Call reports 2010
UNION STATE BANK — 2010
What UNION STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 57,133,000 | 58,199,000 | 60,078,000 | 61,135,000 |
| Total loans | 35,909,000 | 37,482,000 | 37,739,000 | 37,570,000 |
| Allowance for loan losses | 308,000 | 299,000 | 310,000 | 303,000 |
| Securities available for sale | 13,963,000 | 12,509,000 | 11,594,000 | 13,098,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,448,000 | 45,095,000 | 47,128,000 | 49,025,000 |
| Interest-bearing deposits | 41,862,000 | 42,027,000 | 44,608,000 | 45,901,000 |
| Noninterest-bearing deposits | 2,586,000 | 3,067,000 | 2,521,000 | 3,124,000 |
| Equity capital | 9,637,000 | 9,777,000 | 9,854,000 | 9,646,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 785,000 | 1,547,000 | 2,314,000 | 2,973,000 |
| Interest expense | 188,000 | 371,000 | 556,000 | 738,000 |
| Net interest income | 597,000 | 1,176,000 | 1,758,000 | 2,235,000 |
| Noninterest income | 41,000 | 92,000 | 139,000 | 176,000 |
| Noninterest expense | 323,000 | 638,000 | 1,002,000 | 1,249,000 |
| Provision for loan losses | 30,000 | 60,000 | 195,000 | 265,000 |
| Pretax income | 294,000 | 579,000 | 737,000 | 936,000 |
| Income tax | 17,000 | 29,000 | 40,000 | 50,000 |
| Net income | 277,000 | 550,000 | 697,000 | 886,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,272,000 | 4,387,000 | 4,379,000 | 4,510,000 |
| Total capital | 4,580,000 | 4,686,000 | 4,689,000 | 4,813,000 |
| Risk-weighted assets | 35,587,000 | 37,116,000 | 37,513,000 | 37,900,000 |