Call reports 2009
UNION STATE BANK — 2009
What UNION STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 212,207,000 | 209,854,000 | 203,325,000 | 205,268,000 |
| Total loans | 127,048,000 | 124,544,000 | 122,205,000 | 114,442,000 |
| Allowance for loan losses | 1,928,000 | 1,821,000 | 2,015,000 | 2,277,000 |
| Securities available for sale | 54,160,000 | 52,785,000 | 55,804,000 | 54,818,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,743,000 | 166,206,000 | 158,272,000 | 160,409,000 |
| Interest-bearing deposits | 145,161,000 | 144,205,000 | 136,273,000 | 138,591,000 |
| Noninterest-bearing deposits | 20,582,000 | 22,001,000 | 21,999,000 | 21,818,000 |
| Equity capital | 28,286,000 | 27,882,000 | 29,035,000 | 28,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,750,000 | 5,503,000 | 8,169,000 | 10,744,000 |
| Interest expense | 826,000 | 1,604,000 | 2,319,000 | 2,990,000 |
| Net interest income | 1,924,000 | 3,899,000 | 5,850,000 | 7,754,000 |
| Noninterest income | 479,000 | 1,012,000 | 1,601,000 | 2,174,000 |
| Noninterest expense | 1,666,000 | 3,403,000 | 5,134,000 | 7,017,000 |
| Provision for loan losses | 355,000 | 2,133,000 | 2,639,000 | 3,141,000 |
| Pretax income | 382,000 | -625,000 | -264,000 | 9,000 |
| Income tax | 31,000 | 8,000 | 8,000 | 8,000 |
| Net income | 351,000 | -633,000 | -272,000 | 1,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,538,000 | 16,419,000 | 16,795,000 | 17,082,000 |
| Total capital | 18,290,000 | 18,131,000 | 18,532,000 | 18,750,000 |
| Risk-weighted assets | 139,995,000 | 141,265,000 | 138,836,000 | 132,795,000 |