Call reports 2016
UNION STATE BANK OF EVEREST, THE — 2016
What UNION STATE BANK OF EVEREST, THE 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 | 301,339,000 | 306,177,000 | 312,426,000 | 311,532,000 |
| Total loans | 210,660,000 | 216,447,000 | 222,303,000 | 218,298,000 |
| Allowance for loan losses | 3,881,000 | 3,951,000 | 3,816,000 | 4,059,000 |
| Securities available for sale | 69,671,000 | 74,160,000 | 73,414,000 | 74,577,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,254,000 | 269,197,000 | 264,631,000 | 270,752,000 |
| Interest-bearing deposits | 220,977,000 | 219,442,000 | 217,037,000 | 222,011,000 |
| Noninterest-bearing deposits | 47,277,000 | 49,755,000 | 47,594,000 | 48,741,000 |
| Equity capital | 30,926,000 | 32,161,000 | 32,255,000 | 30,515,000 |
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 | 3,256,000 | 6,565,000 | 9,922,000 | 12,894,000 |
| Interest expense | 393,000 | 802,000 | 1,209,000 | 1,623,000 |
| Net interest income | 2,863,000 | 5,763,000 | 8,713,000 | 11,271,000 |
| Noninterest income | 512,000 | 1,048,000 | 1,599,000 | 2,108,000 |
| Noninterest expense | 2,137,000 | 4,302,000 | 6,513,000 | 8,741,000 |
| Provision for loan losses | 235,000 | 345,000 | 430,000 | 665,000 |
| Pretax income | 1,003,000 | 2,172,000 | 3,377,000 | 3,982,000 |
| Income tax | 40,000 | 92,000 | 129,000 | 62,000 |
| Net income | 963,000 | 2,080,000 | 3,248,000 | 3,920,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,183,000 | 26,565,000 | 27,241,000 | 27,430,000 |
| Total capital | 29,042,000 | 29,460,000 | 30,160,000 | 30,358,000 |
| Risk-weighted assets | 227,714,000 | 230,593,000 | 232,661,000 | 233,127,000 |