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 | 89,710,000 | 82,703,000 | 84,601,000 | 82,619,000 |
| Total loans | 44,115,000 | 45,546,000 | 47,275,000 | 47,788,000 |
| Allowance for loan losses | 405,000 | 405,000 | 405,000 | 404,000 |
| Securities available for sale | 29,439,000 | 29,169,000 | 27,870,000 | 25,979,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,156,000 | 74,459,000 | 74,037,000 | 75,183,000 |
| Interest-bearing deposits | 68,513,000 | 61,824,000 | 61,925,000 | 61,812,000 |
| Noninterest-bearing deposits | 13,643,000 | 12,635,000 | 12,112,000 | 13,371,000 |
| Equity capital | 7,352,000 | 7,159,000 | 7,316,000 | 7,205,000 |
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 | 737,000 | 1,487,000 | 2,254,000 | 3,021,000 |
| Interest expense | 52,000 | 101,000 | 153,000 | 201,000 |
| Net interest income | 685,000 | 1,386,000 | 2,101,000 | 2,820,000 |
| Noninterest income | 229,000 | 434,000 | 625,000 | 822,000 |
| Noninterest expense | 749,000 | 1,518,000 | 2,307,000 | 3,147,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 159,000 | 296,000 | 413,000 | 489,000 |
| Income tax | 8,000 | 15,000 | 21,000 | 23,000 |
| Net income | 151,000 | 281,000 | 392,000 | 466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,969,000 | 7,000,000 | 7,011,000 | 6,985,000 |
| Total capital | 7,374,000 | 7,405,000 | 7,416,000 | 7,389,000 |
| Risk-weighted assets | 50,578,000 | 51,174,000 | 53,120,000 | 52,756,000 |