Call reports 2013
UNION STATE BANK — 2013
What UNION STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 36,815,000 | 35,616,000 | 36,582,000 | 35,744,000 |
| Total loans | 19,122,000 | 18,365,000 | 17,581,000 | 15,946,000 |
| Allowance for loan losses | 234,000 | 171,000 | 164,000 | 150,000 |
| Securities available for sale | 1,313,000 | 1,220,000 | 2,122,000 | 2,076,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,730,000 | 32,547,000 | 33,467,000 | 32,635,000 |
| Interest-bearing deposits | 22,027,000 | 22,029,000 | 22,540,000 | 21,894,000 |
| Noninterest-bearing deposits | 11,703,000 | 10,518,000 | 10,927,000 | 10,741,000 |
| Equity capital | 3,009,000 | 3,002,000 | 3,011,000 | 3,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 387,000 | 756,000 | 1,124,000 | 1,481,000 |
| Interest expense | 29,000 | 59,000 | 88,000 | 117,000 |
| Net interest income | 358,000 | 697,000 | 1,036,000 | 1,364,000 |
| Noninterest income | 63,000 | 119,000 | 182,000 | 248,000 |
| Noninterest expense | 390,000 | 754,000 | 1,139,000 | 1,497,000 |
| Provision for loan losses | 15,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 16,000 | 32,000 | 49,000 | 85,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 16,000 | 32,000 | 49,000 | 85,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,946,000 | 2,952,000 | 2,968,000 | 3,002,000 |
| Total capital | 3,180,000 | 3,123,000 | 3,132,000 | 3,152,000 |
| Risk-weighted assets | 21,144,000 | 20,904,000 | 20,227,000 | 18,946,000 |