Call reports 2023
UNION STATE BANK OF EVEREST, THE — 2023
What UNION STATE BANK OF EVEREST, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 414,613,000 | 414,529,000 | 414,549,000 | 411,771,000 |
| Total loans | 280,153,000 | 284,794,000 | 290,181,000 | 289,016,000 |
| Allowance for loan losses | 3,562,000 | 3,654,000 | 3,880,000 | 3,733,000 |
| Securities available for sale | 115,963,000 | 110,488,000 | 104,931,000 | 102,326,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,156,000 | 365,262,000 | 356,345,000 | 340,185,000 |
| Interest-bearing deposits | 288,753,000 | 283,026,000 | 276,549,000 | 258,280,000 |
| Noninterest-bearing deposits | 78,403,000 | 82,236,000 | 79,796,000 | 81,905,000 |
| Equity capital | 33,319,000 | 32,966,000 | 32,095,000 | 35,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,323,000 | 9,051,000 | 13,981,000 | 19,194,000 |
| Interest expense | 1,080,000 | 2,398,000 | 3,907,000 | 5,458,000 |
| Net interest income | 3,243,000 | 6,653,000 | 10,074,000 | 13,736,000 |
| Noninterest income | 555,000 | 1,240,000 | 1,804,000 | 2,533,000 |
| Noninterest expense | 3,060,000 | 6,075,000 | 9,087,000 | 12,199,000 |
| Provision for loan losses | 8,000 | 20,000 | 32,000 | 38,000 |
| Pretax income | 697,000 | 1,655,000 | 2,590,000 | 3,669,000 |
| Income tax | 19,000 | 52,000 | 83,000 | 117,000 |
| Net income | 678,000 | 1,603,000 | 2,507,000 | 3,552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,283,000 | 36,869,000 | 37,427,000 | 37,222,000 |
| Total capital | 39,848,000 | 40,526,000 | 41,180,000 | 40,942,000 |
| Risk-weighted assets | 293,981,000 | 296,357,000 | 300,147,000 | 297,593,000 |