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 | 38,099,000 | 36,682,000 | 36,569,000 | 36,172,000 |
| Total loans | 21,801,000 | 22,802,000 | 24,169,000 | 23,809,000 |
| Allowance for loan losses | 176,000 | 174,000 | 162,000 | 149,000 |
| Securities available for sale | 8,661,000 | 8,255,000 | 8,204,000 | 7,583,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,225,000 | 33,903,000 | 33,639,000 | 33,363,000 |
| Interest-bearing deposits | 28,715,000 | 26,555,000 | 27,452,000 | 26,754,000 |
| Noninterest-bearing deposits | 6,510,000 | 7,348,000 | 6,187,000 | 6,608,000 |
| Equity capital | 2,795,000 | 2,676,000 | 2,784,000 | 2,744,000 |
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 | 621,000 | 1,205,000 | 1,781,000 | 2,354,000 |
| Interest expense | 219,000 | 400,000 | 594,000 | 773,000 |
| Net interest income | 402,000 | 805,000 | 1,187,000 | 1,581,000 |
| Noninterest income | 62,000 | 126,000 | 188,000 | 241,000 |
| Noninterest expense | 398,000 | 796,000 | 1,269,000 | 1,722,000 |
| Provision for loan losses | 8,000 | 8,000 | 8,000 | 122,000 |
| Pretax income | 88,000 | 157,000 | 128,000 | 8,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 88,000 | 157,000 | 128,000 | 8,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,714,000 | 2,784,000 | 2,754,000 | 2,655,000 |
| Total capital | 2,890,000 | 2,958,000 | 2,917,000 | 2,804,000 |
| Risk-weighted assets | 23,354,000 | 25,870,000 | 25,654,000 | 25,995,000 |
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