Call reports 2015
UNION STATE BANK — 2015
What UNION 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 | 260,419,000 | 256,703,000 | 292,406,000 | 290,838,000 |
| Total loans | 133,407,000 | 142,909,000 | 184,086,000 | 183,635,000 |
| Allowance for loan losses | 2,911,000 | 2,919,000 | 3,080,000 | 3,093,000 |
| Securities available for sale | 81,199,000 | 74,071,000 | 68,644,000 | 61,617,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,498,000 | 201,525,000 | 234,491,000 | 226,674,000 |
| Interest-bearing deposits | 167,597,000 | 167,653,000 | 189,716,000 | 182,641,000 |
| Noninterest-bearing deposits | 36,901,000 | 33,872,000 | 44,775,000 | 44,033,000 |
| Equity capital | 35,355,000 | 34,965,000 | 35,544,000 | 35,864,000 |
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 | 2,128,000 | 4,302,000 | 7,222,000 | 9,966,000 |
| Interest expense | 215,000 | 441,000 | 722,000 | 998,000 |
| Net interest income | 1,913,000 | 3,861,000 | 6,500,000 | 8,968,000 |
| Noninterest income | 520,000 | 1,098,000 | 1,711,000 | 2,365,000 |
| Noninterest expense | 1,928,000 | 3,883,000 | 6,240,000 | 8,727,000 |
| Provision for loan losses | -1,000 | -2,000 | 160,000 | 157,000 |
| Pretax income | 506,000 | 1,078,000 | 1,813,000 | 2,452,000 |
| Income tax | 14,000 | 29,000 | 47,000 | 4,000 |
| Net income | 492,000 | 1,049,000 | 1,766,000 | 2,448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,542,000 | 24,808,000 | 23,990,000 | 24,723,000 |
| Total capital | 26,531,000 | 26,906,000 | 26,625,000 | 27,339,000 |
| Risk-weighted assets | 158,239,000 | 167,060,000 | 210,388,000 | 208,824,000 |