Call reports 2014
UNION STATE BANK — 2014
What UNION STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 60,491,000 | 61,688,000 | 62,121,000 | 66,460,000 |
| Total loans | 42,061,000 | 43,454,000 | 43,512,000 | 45,223,000 |
| Allowance for loan losses | 619,000 | 646,000 | 654,000 | 650,000 |
| Securities available for sale | 13,976,000 | 13,397,000 | 13,874,000 | 12,975,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,104,000 | 53,153,000 | 53,667,000 | 57,907,000 |
| Interest-bearing deposits | 44,363,000 | 44,207,000 | 45,121,000 | 48,685,000 |
| Noninterest-bearing deposits | 7,741,000 | 8,946,000 | 8,546,000 | 9,222,000 |
| Equity capital | 8,306,000 | 8,290,000 | 8,377,000 | 8,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 640,000 | 1,288,000 | 1,937,000 | 2,583,000 |
| Interest expense | 83,000 | 162,000 | 239,000 | 314,000 |
| Net interest income | 557,000 | 1,126,000 | 1,698,000 | 2,269,000 |
| Noninterest income | 75,000 | 146,000 | 151,000 | 227,000 |
| Noninterest expense | 446,000 | 913,000 | 1,364,000 | 1,837,000 |
| Provision for loan losses | 36,000 | 72,000 | 84,000 | 84,000 |
| Pretax income | 150,000 | 287,000 | 401,000 | 591,000 |
| Income tax | 42,000 | 84,000 | 108,000 | 176,000 |
| Net income | 108,000 | 203,000 | 293,000 | 415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,307,000 | 8,252,000 | 8,343,000 | 8,405,000 |
| Total capital | 8,791,000 | 8,747,000 | 8,835,000 | 8,916,000 |
| Risk-weighted assets | 38,613,000 | 39,431,000 | 39,214,000 | 40,705,000 |