Call reports 2016
UNION STATE BANK — 2016
What UNION STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 298,494,000 | 294,761,000 | 291,499,000 | 297,726,000 |
| Total loans | 182,737,000 | 189,375,000 | 186,394,000 | 197,728,000 |
| Allowance for loan losses | 3,138,000 | 3,180,000 | 3,220,000 | 3,282,000 |
| Securities available for sale | 60,101,000 | 64,607,000 | 64,302,000 | 62,532,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,993,000 | 230,639,000 | 232,391,000 | 240,270,000 |
| Interest-bearing deposits | 188,261,000 | 182,763,000 | 186,070,000 | 192,899,000 |
| Noninterest-bearing deposits | 44,732,000 | 47,876,000 | 46,321,000 | 47,371,000 |
| Equity capital | 36,347,000 | 36,687,000 | 36,774,000 | 35,791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,664,000 | 5,354,000 | 8,142,000 | 10,841,000 |
| Interest expense | 245,000 | 492,000 | 745,000 | 1,012,000 |
| Net interest income | 2,419,000 | 4,862,000 | 7,397,000 | 9,829,000 |
| Noninterest income | 641,000 | 1,283,000 | 1,913,000 | 2,521,000 |
| Noninterest expense | 2,464,000 | 4,791,000 | 7,124,000 | 9,484,000 |
| Provision for loan losses | 44,000 | 90,000 | 141,000 | 187,000 |
| Pretax income | 637,000 | 1,358,000 | 2,175,000 | 2,805,000 |
| Income tax | 10,000 | 27,000 | 45,000 | 2,000 |
| Net income | 627,000 | 1,331,000 | 2,130,000 | 2,803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,825,000 | 25,127,000 | 25,307,000 | 26,002,000 |
| Total capital | 27,429,000 | 27,833,000 | 27,971,000 | 28,764,000 |
| Risk-weighted assets | 207,806,000 | 216,078,000 | 212,572,000 | 220,473,000 |