Call reports 2020
UNION STATE BANK OF EVEREST, THE — 2020
What UNION STATE BANK OF EVEREST, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 310,746,000 | 337,452,000 | 345,951,000 | 358,706,000 |
| Total loans | 212,998,000 | 238,056,000 | 247,420,000 | 252,238,000 |
| Allowance for loan losses | 2,968,000 | 3,421,000 | 3,737,000 | 3,750,000 |
| Securities available for sale | 72,128,000 | 75,051,000 | 74,940,000 | 83,455,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,859,000 | 292,316,000 | 300,871,000 | 319,090,000 |
| Interest-bearing deposits | 224,422,000 | 232,171,000 | 234,869,000 | 253,233,000 |
| Noninterest-bearing deposits | 50,437,000 | 60,145,000 | 66,002,000 | 65,857,000 |
| Equity capital | 35,042,000 | 38,009,000 | 38,110,000 | 39,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,390,000 | 7,361,000 | 10,900,000 | 14,517,000 |
| Interest expense | 525,000 | 922,000 | 1,268,000 | 1,601,000 |
| Net interest income | 2,865,000 | 6,439,000 | 9,632,000 | 12,916,000 |
| Noninterest income | 577,000 | 1,033,000 | 1,529,000 | 2,030,000 |
| Noninterest expense | 2,379,000 | 4,750,000 | 7,244,000 | 9,952,000 |
| Provision for loan losses | -1,000 | 597,000 | 900,000 | 915,000 |
| Pretax income | 1,056,000 | 2,121,000 | 3,016,000 | 4,081,000 |
| Income tax | 38,000 | 77,000 | 115,000 | 145,000 |
| Net income | 1,018,000 | 2,044,000 | 2,901,000 | 3,936,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,979,000 | 32,412,000 | 32,520,000 | 33,603,000 |
| Total capital | 34,838,000 | 35,417,000 | 35,607,000 | 36,814,000 |
| Risk-weighted assets | 228,684,000 | 240,060,000 | 246,358,000 | 256,419,000 |