Call reports 2015
UNION STATE BANK — 2015
What UNION STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 74,123,000 | 76,030,000 | 76,848,000 | 77,309,000 |
| Total loans | 55,153,000 | 58,374,000 | 59,902,000 | 61,060,000 |
| Allowance for loan losses | 519,000 | 549,000 | 516,000 | 565,000 |
| Securities available for sale | 10,733,000 | 9,925,000 | 9,963,000 | 9,397,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,395,000 | 62,345,000 | 62,438,000 | 62,364,000 |
| Interest-bearing deposits | 58,042,000 | 58,813,000 | 59,370,000 | 58,104,000 |
| Noninterest-bearing deposits | 3,353,000 | 3,532,000 | 3,067,000 | 4,260,000 |
| Equity capital | 10,950,000 | 11,105,000 | 11,540,000 | 11,325,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 804,000 | 1,656,000 | 2,534,000 | 3,430,000 |
| Interest expense | 106,000 | 223,000 | 340,000 | 459,000 |
| Net interest income | 698,000 | 1,433,000 | 2,194,000 | 2,971,000 |
| Noninterest income | 42,000 | 88,000 | 125,000 | 159,000 |
| Noninterest expense | 363,000 | 744,000 | 1,095,000 | 1,534,000 |
| Provision for loan losses | 40,000 | 70,000 | 100,000 | 130,000 |
| Pretax income | 337,000 | 707,000 | 1,124,000 | 1,466,000 |
| Income tax | 17,000 | 36,000 | 59,000 | 79,000 |
| Net income | 320,000 | 671,000 | 1,065,000 | 1,387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,953,000 | 6,188,000 | 6,578,000 | 6,370,000 |
| Total capital | 6,472,000 | 6,737,000 | 7,094,000 | 6,935,000 |
| Risk-weighted assets | 53,991,000 | 55,417,000 | 56,926,000 | 58,348,000 |