Call reports 2012
UNION STATE BANK — 2012
What UNION STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 67,210,000 | 66,930,000 | 67,744,000 | 68,807,000 |
| Total loans | 36,310,000 | 36,811,000 | 38,001,000 | 39,996,000 |
| Allowance for loan losses | 434,000 | 435,000 | 429,000 | 424,000 |
| Securities available for sale | 21,500,000 | 22,797,000 | 22,037,000 | 21,685,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,522,000 | 53,011,000 | 53,470,000 | 54,502,000 |
| Interest-bearing deposits | 50,874,000 | 49,745,000 | 50,536,000 | 50,574,000 |
| Noninterest-bearing deposits | 3,648,000 | 3,267,000 | 2,934,000 | 3,928,000 |
| Equity capital | 10,356,000 | 10,567,000 | 10,796,000 | 10,640,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 735,000 | 1,480,000 | 2,233,000 | 2,990,000 |
| Interest expense | 140,000 | 286,000 | 426,000 | 663,000 |
| Net interest income | 595,000 | 1,194,000 | 1,807,000 | 2,327,000 |
| Noninterest income | 45,000 | 96,000 | 125,000 | 166,000 |
| Noninterest expense | 320,000 | 645,000 | 943,000 | 1,291,000 |
| Provision for loan losses | 0 | 0 | 1,000 | 1,000 |
| Pretax income | 322,000 | 663,000 | 1,020,000 | 1,237,000 |
| Income tax | 17,000 | 34,000 | 52,000 | 65,000 |
| Net income | 305,000 | 629,000 | 968,000 | 1,172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,873,000 | 5,065,000 | 5,177,000 | 5,143,000 |
| Total capital | 5,307,000 | 5,500,000 | 5,606,000 | 5,567,000 |
| Risk-weighted assets | 38,520,000 | 39,843,000 | 40,775,000 | 43,215,000 |