Call reports 2013
UNION STATE BANK OF EVEREST, THE — 2013
What UNION STATE BANK OF EVEREST, THE 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 | 238,231,000 | 240,872,000 | 240,939,000 | 243,093,000 |
| Total loans | 173,757,000 | 181,078,000 | 180,813,000 | 183,573,000 |
| Allowance for loan losses | 3,316,000 | 3,459,000 | 3,608,000 | 3,622,000 |
| Securities available for sale | 50,093,000 | 46,584,000 | 46,019,000 | 44,854,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,599,000 | 200,441,000 | 199,178,000 | 208,859,000 |
| Interest-bearing deposits | 175,006,000 | 169,344,000 | 169,267,000 | 174,172,000 |
| Noninterest-bearing deposits | 32,593,000 | 31,097,000 | 29,911,000 | 34,687,000 |
| Equity capital | 24,361,000 | 23,158,000 | 23,105,000 | 23,792,000 |
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 | 2,805,000 | 5,681,000 | 8,504,000 | 11,315,000 |
| Interest expense | 394,000 | 775,000 | 1,153,000 | 1,526,000 |
| Net interest income | 2,411,000 | 4,906,000 | 7,351,000 | 9,789,000 |
| Noninterest income | 397,000 | 836,000 | 1,269,000 | 1,755,000 |
| Noninterest expense | 1,641,000 | 3,335,000 | 5,142,000 | 6,916,000 |
| Provision for loan losses | 149,000 | 275,000 | 451,000 | 491,000 |
| Pretax income | 1,034,000 | 2,267,000 | 3,181,000 | 4,269,000 |
| Income tax | 47,000 | 19,000 | 57,000 | 107,000 |
| Net income | 987,000 | 2,248,000 | 3,124,000 | 4,162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,460,000 | 19,716,000 | 20,081,000 | 20,908,000 |
| Total capital | 21,704,000 | 21,998,000 | 22,402,000 | 23,290,000 |
| Risk-weighted assets | 178,476,000 | 181,397,000 | 184,384,000 | 189,291,000 |