Call reports 2008
UNION STATE BANK — 2008
What UNION STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 210,924,000 | 214,820,000 | 209,335,000 | 207,078,000 |
| Total loans | 125,669,000 | 133,081,000 | 128,173,000 | 129,393,000 |
| Allowance for loan losses | 1,073,000 | 1,635,000 | 1,747,000 | 1,855,000 |
| Securities available for sale | 56,517,000 | 53,133,000 | 52,724,000 | 52,552,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,691,000 | 171,093,000 | 166,930,000 | 162,619,000 |
| Interest-bearing deposits | 149,819,000 | 146,328,000 | 142,863,000 | 139,973,000 |
| Noninterest-bearing deposits | 21,872,000 | 24,765,000 | 24,067,000 | 22,646,000 |
| Equity capital | 25,973,000 | 25,565,000 | 26,292,000 | 27,619,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,061,000 | 6,200,000 | 9,243,000 | 12,206,000 |
| Interest expense | 1,266,000 | 2,373,000 | 3,437,000 | 4,365,000 |
| Net interest income | 1,795,000 | 3,827,000 | 5,806,000 | 7,841,000 |
| Noninterest income | 536,000 | 1,062,000 | 1,609,000 | 2,149,000 |
| Noninterest expense | 1,752,000 | 3,447,000 | 5,138,000 | 6,969,000 |
| Provision for loan losses | 232,000 | 893,000 | 2,160,000 | 2,321,000 |
| Pretax income | 347,000 | 549,000 | 117,000 | 848,000 |
| Income tax | 12,000 | 35,000 | 57,000 | 86,000 |
| Net income | 335,000 | 514,000 | 60,000 | 762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,914,000 | 14,878,000 | 15,389,000 | 16,174,000 |
| Total capital | 14,987,000 | 16,513,000 | 17,136,000 | 17,949,000 |
| Risk-weighted assets | 140,193,000 | 146,962,000 | 145,001,000 | 141,948,000 |
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