Call reports 2015
UNION STATE BANK — 2015
What UNION STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 67,383,000 | 67,596,000 | 69,488,000 | 75,471,000 |
| Total loans | 43,907,000 | 44,909,000 | 50,640,000 | 55,484,000 |
| Allowance for loan losses | 650,000 | 637,000 | 549,000 | 438,000 |
| Securities available for sale | 15,444,000 | 16,165,000 | 14,896,000 | 10,855,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,685,000 | 58,859,000 | 58,119,000 | 63,474,000 |
| Interest-bearing deposits | 46,730,000 | 46,663,000 | 46,309,000 | 51,882,000 |
| Noninterest-bearing deposits | 11,955,000 | 12,196,000 | 11,810,000 | 11,592,000 |
| Equity capital | 8,584,000 | 8,525,000 | 8,727,000 | 8,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 611,000 | 1,246,000 | 1,931,000 | 2,651,000 |
| Interest expense | 76,000 | 151,000 | 227,000 | 305,000 |
| Net interest income | 535,000 | 1,095,000 | 1,704,000 | 2,346,000 |
| Noninterest income | 71,000 | 131,000 | 212,000 | 292,000 |
| Noninterest expense | 428,000 | 888,000 | 1,370,000 | 1,847,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 178,000 | 338,000 | 546,000 | 752,000 |
| Income tax | 50,000 | 100,000 | 168,000 | 224,000 |
| Net income | 128,000 | 238,000 | 378,000 | 528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,533,000 | 8,523,000 | 8,663,000 | 8,753,000 |
| Total capital | 9,041,000 | 9,050,000 | 9,212,000 | 9,191,000 |
| Risk-weighted assets | 40,548,000 | 42,062,000 | 46,308,000 | 51,765,000 |