Call reports 2005
UNION STATE BANK — 2005
What UNION STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 76,332,000 | 75,686,000 | 77,535,000 | 78,096,000 |
| Total loans | 52,298,000 | 55,590,000 | 54,946,000 | 55,585,000 |
| Allowance for loan losses | 713,000 | 642,000 | 703,000 | 815,000 |
| Securities available for sale | 14,253,000 | 14,105,000 | 13,984,000 | 14,313,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,023,000 | 64,772,000 | 67,994,000 | 68,692,000 |
| Interest-bearing deposits | 56,366,000 | 55,117,000 | 57,566,000 | 58,621,000 |
| Noninterest-bearing deposits | 10,657,000 | 9,655,000 | 10,428,000 | 10,071,000 |
| Equity capital | 7,483,000 | 7,550,000 | 7,611,000 | 7,566,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 944,000 | 1,987,000 | 3,098,000 | 4,251,000 |
| Interest expense | 323,000 | 637,000 | 971,000 | 1,342,000 |
| Net interest income | 621,000 | 1,350,000 | 2,127,000 | 2,909,000 |
| Noninterest income | 158,000 | 391,000 | 608,000 | 838,000 |
| Noninterest expense | 624,000 | 1,338,000 | 2,050,000 | 2,771,000 |
| Provision for loan losses | 25,000 | 55,000 | 95,000 | 155,000 |
| Pretax income | 130,000 | 348,000 | 590,000 | 821,000 |
| Income tax | 18,000 | 37,000 | 55,000 | 69,000 |
| Net income | 112,000 | 311,000 | 535,000 | 752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,058,000 | 7,042,000 | 7,153,000 | 7,201,000 |
| Total capital | 7,717,000 | 7,684,000 | 7,846,000 | 7,908,000 |
| Risk-weighted assets | 52,931,000 | 55,203,000 | 55,441,000 | 56,443,000 |
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