Call reports 2005
UNION STATE BANK — 2005
What UNION STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 46,627,000 | 48,376,000 | 46,679,000 | 49,206,000 |
| Total loans | 22,225,000 | 22,733,000 | 24,177,000 | 23,583,000 |
| Allowance for loan losses | 333,000 | 349,000 | 273,000 | 316,000 |
| Securities available for sale | 18,170,000 | 17,928,000 | 17,667,000 | 17,547,000 |
| Securities held to maturity | 1,271,000 | 1,256,000 | 1,237,000 | 1,224,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,825,000 | 41,233,000 | 38,685,000 | 41,847,000 |
| Interest-bearing deposits | 30,834,000 | 29,093,000 | 27,798,000 | 28,523,000 |
| Noninterest-bearing deposits | 8,991,000 | 12,140,000 | 10,887,000 | 13,324,000 |
| Equity capital | 6,292,000 | 6,656,000 | 6,560,000 | 6,347,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 629,000 | 1,294,000 | 1,950,000 | 2,612,000 |
| Interest expense | 192,000 | 382,000 | 594,000 | 819,000 |
| Net interest income | 437,000 | 912,000 | 1,356,000 | 1,793,000 |
| Noninterest income | 63,000 | 115,000 | 168,000 | 210,000 |
| Noninterest expense | 435,000 | 823,000 | 1,226,000 | 1,616,000 |
| Provision for loan losses | 23,000 | 42,000 | 61,000 | 111,000 |
| Pretax income | 46,000 | 166,000 | 250,000 | 289,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 46,000 | 166,000 | 250,000 | 289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,201,000 | 6,321,000 | 6,404,000 | 6,281,000 |
| Total capital | 6,534,000 | 6,670,000 | 6,677,000 | 6,597,000 |
| Risk-weighted assets | 28,771,000 | 29,372,000 | 29,714,000 | 29,713,000 |