Call reports 2016
UNION STATE BANK — 2016
What UNION STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 70,673,000 | 75,055,000 | 76,408,000 | 85,162,000 |
| Total loans | 55,913,000 | 58,169,000 | 58,492,000 | 62,980,000 |
| Allowance for loan losses | 460,000 | 482,000 | 528,000 | 577,000 |
| Securities available for sale | 10,274,000 | 12,905,000 | 13,185,000 | 12,540,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,005,000 | 60,575,000 | 60,934,000 | 70,462,000 |
| Interest-bearing deposits | 49,128,000 | 50,063,000 | 50,905,000 | 57,631,000 |
| Noninterest-bearing deposits | 9,877,000 | 10,512,000 | 10,029,000 | 12,831,000 |
| Equity capital | 8,953,000 | 9,091,000 | 9,199,000 | 9,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 750,000 | 1,510,000 | 2,280,000 | 3,083,000 |
| Interest expense | 84,000 | 172,000 | 270,000 | 349,000 |
| Net interest income | 666,000 | 1,338,000 | 2,010,000 | 2,734,000 |
| Noninterest income | 74,000 | 160,000 | 237,000 | 321,000 |
| Noninterest expense | 517,000 | 992,000 | 1,519,000 | 2,049,000 |
| Provision for loan losses | 23,000 | 45,000 | 73,000 | 133,000 |
| Pretax income | 203,000 | 464,000 | 658,000 | 876,000 |
| Income tax | 65,000 | 147,000 | 200,000 | 273,000 |
| Net income | 138,000 | 317,000 | 458,000 | 603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,891,000 | 8,996,000 | 9,136,000 | 9,221,000 |
| Total capital | 9,351,000 | 9,478,000 | 9,664,000 | 9,798,000 |
| Risk-weighted assets | 51,302,000 | 53,532,000 | 55,226,000 | 58,336,000 |