Call reports 2011
UNION STATE BANK OF EVEREST, THE — 2011
What UNION STATE BANK OF EVEREST, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 167,527,000 | 171,355,000 | 209,854,000 | 216,869,000 |
| Total loans | 121,033,000 | 124,683,000 | 152,005,000 | 157,206,000 |
| Allowance for loan losses | 2,155,000 | 2,252,000 | 2,679,000 | 2,753,000 |
| Securities available for sale | 31,412,000 | 33,148,000 | 42,069,000 | 45,405,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,433,000 | 144,010,000 | 181,085,000 | 183,384,000 |
| Interest-bearing deposits | 123,995,000 | 124,184,000 | 153,379,000 | 155,710,000 |
| Noninterest-bearing deposits | 20,438,000 | 19,826,000 | 27,706,000 | 27,674,000 |
| Equity capital | 17,407,000 | 17,533,000 | 22,275,000 | 22,852,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,190,000 | 4,492,000 | 7,914,000 | 10,622,000 |
| Interest expense | 520,000 | 1,028,000 | 1,738,000 | 2,272,000 |
| Net interest income | 1,670,000 | 3,464,000 | 6,176,000 | 8,350,000 |
| Noninterest income | 352,000 | 712,000 | 1,189,000 | 1,579,000 |
| Noninterest expense | 1,141,000 | 2,381,000 | 4,203,000 | 5,869,000 |
| Provision for loan losses | 148,000 | 284,000 | 470,000 | 566,000 |
| Pretax income | 736,000 | 1,514,000 | 2,696,000 | 3,498,000 |
| Income tax | 35,000 | 69,000 | 119,000 | 154,000 |
| Net income | 701,000 | 1,445,000 | 2,577,000 | 3,344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,005,000 | 13,636,000 | 17,129,000 | 17,661,000 |
| Total capital | 15,566,000 | 15,185,000 | 19,054,000 | 19,695,000 |
| Risk-weighted assets | 124,269,000 | 123,227,000 | 153,254,000 | 161,970,000 |