Call reports 2012
UNION STATE BANK OF EVEREST, THE — 2012
What UNION STATE BANK OF EVEREST, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 225,859,000 | 229,306,000 | 233,215,000 | 240,895,000 |
| Total loans | 158,298,000 | 165,748,000 | 168,671,000 | 175,557,000 |
| Allowance for loan losses | 2,864,000 | 2,932,000 | 3,084,000 | 3,170,000 |
| Securities available for sale | 46,219,000 | 50,502,000 | 50,307,000 | 50,783,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,627,000 | 193,466,000 | 200,612,000 | 197,782,000 |
| Interest-bearing deposits | 166,161,000 | 164,792,000 | 166,558,000 | 167,270,000 |
| Noninterest-bearing deposits | 32,466,000 | 28,674,000 | 34,054,000 | 30,512,000 |
| Equity capital | 22,874,000 | 23,964,000 | 24,064,000 | 24,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,735,000 | 5,541,000 | 8,384,000 | 11,251,000 |
| Interest expense | 506,000 | 973,000 | 1,404,000 | 1,817,000 |
| Net interest income | 2,229,000 | 4,568,000 | 6,980,000 | 9,434,000 |
| Noninterest income | 379,000 | 759,000 | 1,183,000 | 1,564,000 |
| Noninterest expense | 1,472,000 | 3,018,000 | 4,610,000 | 6,350,000 |
| Provision for loan losses | 115,000 | 242,000 | 399,000 | 543,000 |
| Pretax income | 1,021,000 | 2,067,000 | 3,154,000 | 4,124,000 |
| Income tax | 47,000 | 94,000 | 141,000 | 183,000 |
| Net income | 974,000 | 1,973,000 | 3,013,000 | 3,941,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,978,000 | 18,683,000 | 18,609,000 | 19,326,000 |
| Total capital | 20,022,000 | 20,834,000 | 20,763,000 | 21,504,000 |
| Risk-weighted assets | 162,685,000 | 171,303,000 | 171,428,000 | 178,814,000 |