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 | 82,038,000 | 87,869,000 | 87,994,000 | 87,886,000 |
| Total loans | 48,052,000 | 50,337,000 | 53,242,000 | 53,121,000 |
| Allowance for loan losses | 404,000 | 434,000 | 475,000 | 520,000 |
| Securities available for sale | 26,073,000 | 25,844,000 | 23,230,000 | 21,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,462,000 | 80,192,000 | 78,155,000 | 79,860,000 |
| Interest-bearing deposits | 60,604,000 | 66,920,000 | 63,454,000 | 61,925,000 |
| Noninterest-bearing deposits | 13,858,000 | 13,272,000 | 14,701,000 | 17,935,000 |
| Equity capital | 7,356,000 | 7,415,000 | 7,429,000 | 7,015,000 |
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 | 720,000 | 1,468,000 | 2,229,000 | 2,981,000 |
| Interest expense | 48,000 | 94,000 | 140,000 | 185,000 |
| Net interest income | 672,000 | 1,374,000 | 2,089,000 | 2,796,000 |
| Noninterest income | 193,000 | 372,000 | 572,000 | 759,000 |
| Noninterest expense | 718,000 | 1,492,000 | 2,278,000 | 3,114,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 147,000 | 254,000 | 389,000 | 447,000 |
| Income tax | 7,000 | 12,000 | 19,000 | 21,000 |
| Net income | 140,000 | 242,000 | 370,000 | 426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,000,000 | 6,952,000 | 7,029,000 | 6,966,000 |
| Total capital | 7,404,000 | 7,386,000 | 7,504,000 | 7,486,000 |
| Risk-weighted assets | 53,422,000 | 55,856,000 | 61,650,000 | 62,534,000 |