Call reports 2012
UNION STATE BANK — 2012
What UNION STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 59,367,000 | 60,235,000 | 60,580,000 | 66,202,000 |
| Total loans | 39,769,000 | 41,195,000 | 42,503,000 | 43,357,000 |
| Allowance for loan losses | 473,000 | 495,000 | 529,000 | 559,000 |
| Securities available for sale | 11,980,000 | 11,230,000 | 11,521,000 | 11,720,000 |
| Securities held to maturity | 124,000 | 124,000 | 124,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,102,000 | 51,772,000 | 52,201,000 | 57,826,000 |
| Interest-bearing deposits | 43,507,000 | 43,706,000 | 44,342,000 | 48,292,000 |
| Noninterest-bearing deposits | 7,595,000 | 8,066,000 | 7,859,000 | 9,534,000 |
| Equity capital | 8,026,000 | 7,869,000 | 8,053,000 | 8,050,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 713,000 | 1,375,000 | 2,070,000 | 2,777,000 |
| Interest expense | 126,000 | 243,000 | 354,000 | 459,000 |
| Net interest income | 587,000 | 1,132,000 | 1,716,000 | 2,318,000 |
| Noninterest income | 99,000 | 185,000 | 268,000 | 317,000 |
| Noninterest expense | 403,000 | 782,000 | 1,161,000 | 1,646,000 |
| Provision for loan losses | 36,000 | 72,000 | 108,000 | 144,000 |
| Pretax income | 247,000 | 502,000 | 754,000 | 884,000 |
| Income tax | 65,000 | 165,000 | 250,000 | 279,000 |
| Net income | 182,000 | 337,000 | 504,000 | 605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,815,000 | 7,671,000 | 7,838,000 | 7,879,000 |
| Total capital | 8,279,000 | 8,125,000 | 8,317,000 | 8,380,000 |
| Risk-weighted assets | 37,136,000 | 36,349,000 | 38,243,000 | 40,219,000 |