Call reports 2013
UNION STATE BANK — 2013
What UNION STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 68,119,000 | 67,206,000 | 66,366,000 | 67,295,000 |
| Total loans | 40,696,000 | 42,132,000 | 44,284,000 | 45,997,000 |
| Allowance for loan losses | 453,000 | 461,000 | 447,000 | 420,000 |
| Securities available for sale | 19,883,000 | 18,411,000 | 15,043,000 | 14,395,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,087,000 | 54,018,000 | 52,222,000 | 54,961,000 |
| Interest-bearing deposits | 52,245,000 | 50,725,000 | 49,042,000 | 51,581,000 |
| Noninterest-bearing deposits | 3,841,000 | 3,293,000 | 3,180,000 | 3,380,000 |
| Equity capital | 10,606,000 | 10,310,000 | 10,208,000 | 10,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 736,000 | 1,481,000 | 2,234,000 | 2,990,000 |
| Interest expense | 109,000 | 222,000 | 326,000 | 431,000 |
| Net interest income | 627,000 | 1,259,000 | 1,908,000 | 2,559,000 |
| Noninterest income | 41,000 | 83,000 | 115,000 | 155,000 |
| Noninterest expense | 346,000 | 683,000 | 1,001,000 | 1,377,000 |
| Provision for loan losses | 32,000 | 52,000 | 82,000 | 112,000 |
| Pretax income | 290,000 | 608,000 | 1,015,000 | 1,300,000 |
| Income tax | 14,000 | 32,000 | 53,000 | 69,000 |
| Net income | 276,000 | 576,000 | 962,000 | 1,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,211,000 | 5,291,000 | 5,455,000 | 5,384,000 |
| Total capital | 5,664,000 | 5,752,000 | 5,902,000 | 5,804,000 |
| Risk-weighted assets | 42,828,000 | 43,141,000 | 43,919,000 | 45,663,000 |