Call reports 2006
UNION STATE BANK — 2006
What UNION STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 48,290,000 | 47,628,000 | 50,600,000 | 52,493,000 |
| Total loans | 25,883,000 | 26,186,000 | 28,671,000 | 29,842,000 |
| Allowance for loan losses | 325,000 | 331,000 | 355,000 | 322,000 |
| Securities available for sale | 16,725,000 | 15,899,000 | 16,081,000 | 15,300,000 |
| Securities held to maturity | 1,214,000 | 1,203,000 | 1,192,000 | 1,184,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,024,000 | 41,083,000 | 43,642,000 | 45,455,000 |
| Interest-bearing deposits | 29,417,000 | 28,343,000 | 31,577,000 | 32,027,000 |
| Noninterest-bearing deposits | 11,607,000 | 12,740,000 | 12,065,000 | 13,428,000 |
| Equity capital | 6,309,000 | 6,249,000 | 6,506,000 | 6,459,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 682,000 | 1,363,000 | 2,085,000 | 2,864,000 |
| Interest expense | 238,000 | 494,000 | 773,000 | 1,142,000 |
| Net interest income | 444,000 | 869,000 | 1,312,000 | 1,722,000 |
| Noninterest income | 42,000 | 96,000 | 162,000 | 215,000 |
| Noninterest expense | 418,000 | 792,000 | 1,213,000 | 1,609,000 |
| Provision for loan losses | 23,000 | 45,000 | 67,000 | 120,000 |
| Pretax income | 52,000 | 135,000 | 201,000 | 210,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 52,000 | 135,000 | 201,000 | 210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,327,000 | 6,387,000 | 6,434,000 | 6,416,000 |
| Total capital | 6,652,000 | 6,718,000 | 6,789,000 | 6,738,000 |
| Risk-weighted assets | 30,384,000 | 30,505,000 | 33,099,000 | 34,284,000 |