Call reports 2010
UNION STATE BANK — 2010
What UNION STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 54,267,000 | 53,128,000 | 54,907,000 | 57,055,000 |
| Total loans | 37,690,000 | 38,579,000 | 39,973,000 | 41,209,000 |
| Allowance for loan losses | 455,000 | 489,000 | 525,000 | 541,000 |
| Securities available for sale | 8,923,000 | 8,898,000 | 9,128,000 | 8,108,000 |
| Securities held to maturity | 283,000 | 269,000 | 224,000 | 224,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,179,000 | 44,899,000 | 46,693,000 | 48,928,000 |
| Interest-bearing deposits | 36,617,000 | 36,037,000 | 37,897,000 | 35,518,000 |
| Noninterest-bearing deposits | 9,562,000 | 8,862,000 | 8,796,000 | 13,410,000 |
| Equity capital | 7,771,000 | 7,641,000 | 7,840,000 | 7,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 721,000 | 1,454,000 | 2,185,000 | 2,914,000 |
| Interest expense | 172,000 | 338,000 | 502,000 | 659,000 |
| Net interest income | 549,000 | 1,116,000 | 1,683,000 | 2,255,000 |
| Noninterest income | 62,000 | 128,000 | 207,000 | 292,000 |
| Noninterest expense | 410,000 | 853,000 | 1,293,000 | 1,727,000 |
| Provision for loan losses | 36,000 | 72,000 | 108,000 | 164,000 |
| Pretax income | 165,000 | 319,000 | 489,000 | 656,000 |
| Income tax | 0 | 28,000 | 46,000 | 122,000 |
| Net income | 165,000 | 291,000 | 443,000 | 534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,557,000 | 7,384,000 | 7,536,000 | 7,567,000 |
| Total capital | 8,012,000 | 7,864,000 | 8,031,000 | 8,068,000 |
| Risk-weighted assets | 37,745,000 | 38,403,000 | 39,415,000 | 39,823,000 |