Call reports 2015
UNITED STATE BANK — 2015
What UNITED 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 | 165,503,000 | 159,605,000 | 162,527,000 | 161,871,000 |
| Total loans | 105,209,000 | 111,733,000 | 118,569,000 | 119,100,000 |
| Allowance for loan losses | 1,432,000 | 1,461,000 | 1,498,000 | 1,544,000 |
| Securities available for sale | 18,888,000 | 20,442,000 | 16,866,000 | 15,812,000 |
| Securities held to maturity | 6,573,000 | 7,076,000 | 7,075,000 | 6,719,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,854,000 | 139,661,000 | 140,905,000 | 142,451,000 |
| Interest-bearing deposits | 128,551,000 | 126,054,000 | 127,791,000 | 128,135,000 |
| Noninterest-bearing deposits | 15,303,000 | 13,607,000 | 13,115,000 | 14,316,000 |
| Equity capital | 12,518,000 | 12,565,000 | 13,059,000 | 12,822,000 |
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 | 1,451,000 | 3,054,000 | 4,713,000 | 6,401,000 |
| Interest expense | 266,000 | 540,000 | 817,000 | 1,096,000 |
| Net interest income | 1,185,000 | 2,514,000 | 3,896,000 | 5,305,000 |
| Noninterest income | 131,000 | 240,000 | 379,000 | 507,000 |
| Noninterest expense | 788,000 | 1,799,000 | 2,664,000 | 3,963,000 |
| Provision for loan losses | 30,000 | 60,000 | 95,000 | 140,000 |
| Pretax income | 535,000 | 932,000 | 1,548,000 | 1,741,000 |
| Income tax | 24,000 | 33,000 | 42,000 | 55,000 |
| Net income | 511,000 | 899,000 | 1,506,000 | 1,686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,047,000 | 12,213,000 | 12,720,000 | 12,497,000 |
| Total capital | 13,479,000 | 13,674,000 | 14,218,000 | 14,041,000 |
| Risk-weighted assets | 124,173,000 | 128,419,000 | 133,529,000 | 135,993,000 |