Call reports 2014
UNION STATE BANK — 2014
What UNION STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 253,108,000 | 252,945,000 | 251,512,000 | 250,341,000 |
| Total loans | 118,352,000 | 122,606,000 | 128,777,000 | 131,516,000 |
| Allowance for loan losses | 2,922,000 | 2,905,000 | 2,910,000 | 2,918,000 |
| Securities available for sale | 102,893,000 | 100,630,000 | 95,734,000 | 86,822,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,170,000 | 199,172,000 | 197,691,000 | 196,667,000 |
| Interest-bearing deposits | 166,948,000 | 166,016,000 | 163,266,000 | 160,390,000 |
| Noninterest-bearing deposits | 33,222,000 | 33,156,000 | 34,425,000 | 36,277,000 |
| Equity capital | 33,097,000 | 33,949,000 | 34,074,000 | 34,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,097,000 | 4,295,000 | 6,523,000 | 8,729,000 |
| Interest expense | 253,000 | 489,000 | 720,000 | 938,000 |
| Net interest income | 1,844,000 | 3,806,000 | 5,803,000 | 7,791,000 |
| Noninterest income | 519,000 | 1,124,000 | 1,770,000 | 2,338,000 |
| Noninterest expense | 1,821,000 | 3,658,000 | 5,751,000 | 7,786,000 |
| Provision for loan losses | 1,000 | 5,000 | 9,000 | 9,000 |
| Pretax income | 539,000 | 1,266,000 | 1,812,000 | 2,333,000 |
| Income tax | 24,000 | 56,000 | 92,000 | 123,000 |
| Net income | 515,000 | 1,210,000 | 1,720,000 | 2,210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,287,000 | 23,682,000 | 23,867,000 | 24,357,000 |
| Total capital | 25,161,000 | 25,603,000 | 25,880,000 | 26,397,000 |
| Risk-weighted assets | 139,229,000 | 142,153,000 | 149,582,000 | 150,551,000 |