Call reports 2015
UNION STATE BANK OF EVEREST, THE — 2015
What UNION STATE BANK OF EVEREST, THE 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 | 257,684,000 | 265,042,000 | 297,669,000 | 297,670,000 |
| Total loans | 199,699,000 | 201,637,000 | 211,729,000 | 211,298,000 |
| Allowance for loan losses | 3,902,000 | 4,034,000 | 4,206,000 | 3,616,000 |
| Securities available for sale | 47,200,000 | 50,794,000 | 58,790,000 | 64,279,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,461,000 | 224,221,000 | 265,278,000 | 264,837,000 |
| Interest-bearing deposits | 182,851,000 | 187,566,000 | 219,163,000 | 219,155,000 |
| Noninterest-bearing deposits | 38,610,000 | 36,655,000 | 46,115,000 | 45,682,000 |
| Equity capital | 26,503,000 | 26,024,000 | 30,104,000 | 30,856,000 |
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 | 2,872,000 | 5,837,000 | 8,972,000 | 12,282,000 |
| Interest expense | 358,000 | 716,000 | 1,097,000 | 1,481,000 |
| Net interest income | 2,514,000 | 5,121,000 | 7,875,000 | 10,801,000 |
| Noninterest income | 486,000 | 919,000 | 1,481,000 | 2,031,000 |
| Noninterest expense | 1,776,000 | 3,603,000 | 5,709,000 | 8,010,000 |
| Provision for loan losses | 120,000 | 243,000 | 452,000 | 692,000 |
| Pretax income | 1,078,000 | 2,168,000 | 3,169,000 | 4,104,000 |
| Income tax | 49,000 | 96,000 | 141,000 | 193,000 |
| Net income | 1,029,000 | 2,072,000 | 3,028,000 | 3,911,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,624,000 | 22,743,000 | 26,028,000 | 26,644,000 |
| Total capital | 25,241,000 | 25,385,000 | 28,854,000 | 29,491,000 |
| Risk-weighted assets | 208,109,000 | 210,028,000 | 224,732,000 | 227,042,000 |