Call reports 2016
UNION STATE BANK — 2016
What UNION STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 76,595,000 | 76,377,000 | 76,343,000 | 77,270,000 |
| Total loans | 58,458,000 | 60,053,000 | 60,151,000 | 58,104,000 |
| Allowance for loan losses | 580,000 | 618,000 | 637,000 | 613,000 |
| Securities available for sale | 9,335,000 | 9,001,000 | 8,305,000 | 8,177,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,417,000 | 62,292,000 | 61,722,000 | 62,965,000 |
| Interest-bearing deposits | 58,926,000 | 59,172,000 | 58,578,000 | 58,875,000 |
| Noninterest-bearing deposits | 3,491,000 | 3,120,000 | 3,144,000 | 4,090,000 |
| Equity capital | 11,588,000 | 11,531,000 | 11,673,000 | 11,367,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 878,000 | 1,745,000 | 2,633,000 | 3,499,000 |
| Interest expense | 114,000 | 230,000 | 349,000 | 469,000 |
| Net interest income | 764,000 | 1,515,000 | 2,284,000 | 3,030,000 |
| Noninterest income | 42,000 | 81,000 | 134,000 | 177,000 |
| Noninterest expense | 428,000 | 844,000 | 1,266,000 | 1,817,000 |
| Provision for loan losses | 20,000 | 60,000 | 90,000 | 100,000 |
| Pretax income | 358,000 | 692,000 | 1,073,000 | 1,301,000 |
| Income tax | 18,000 | 36,000 | 56,000 | 68,000 |
| Net income | 340,000 | 656,000 | 1,017,000 | 1,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,606,000 | 6,515,000 | 6,681,000 | 6,500,000 |
| Total capital | 7,187,000 | 7,133,000 | 7,318,000 | 7,113,000 |
| Risk-weighted assets | 57,562,000 | 57,202,000 | 57,632,000 | 57,300,000 |