Call reports 2013
UNION STATE BANK — 2013
What UNION STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 62,453,000 | 61,148,000 | 62,909,000 | 65,638,000 |
| Total loans | 42,628,000 | 42,147,000 | 42,293,000 | 42,113,000 |
| Allowance for loan losses | 562,000 | 602,000 | 631,000 | 583,000 |
| Securities available for sale | 14,309,000 | 13,857,000 | 14,043,000 | 14,212,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,141,000 | 52,933,000 | 54,680,000 | 57,321,000 |
| Interest-bearing deposits | 44,756,000 | 44,386,000 | 45,597,000 | 48,403,000 |
| Noninterest-bearing deposits | 9,385,000 | 8,547,000 | 9,083,000 | 8,918,000 |
| Equity capital | 8,177,000 | 8,037,000 | 8,137,000 | 8,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 682,000 | 1,352,000 | 2,013,000 | 2,673,000 |
| Interest expense | 100,000 | 196,000 | 288,000 | 378,000 |
| Net interest income | 582,000 | 1,156,000 | 1,725,000 | 2,295,000 |
| Noninterest income | 105,000 | 193,000 | 260,000 | 335,000 |
| Noninterest expense | 425,000 | 856,000 | 1,351,000 | 1,811,000 |
| Provision for loan losses | 36,000 | 72,000 | 108,000 | 144,000 |
| Pretax income | 226,000 | 421,000 | 526,000 | 675,000 |
| Income tax | 71,000 | 135,000 | 162,000 | 204,000 |
| Net income | 155,000 | 286,000 | 364,000 | 471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,033,000 | 8,075,000 | 8,153,000 | 8,200,000 |
| Total capital | 8,524,000 | 8,570,000 | 8,643,000 | 8,700,000 |
| Risk-weighted assets | 39,304,000 | 39,460,000 | 39,193,000 | 39,909,000 |