Call reports 2005
UNION STATE BANK — 2005
What UNION STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 18,236,000 | 18,697,000 | 18,274,000 | 18,639,000 |
| Total loans | 8,880,000 | 8,827,000 | 8,744,000 | 8,456,000 |
| Allowance for loan losses | 111,000 | 112,000 | 104,000 | 108,000 |
| Securities available for sale | 6,328,000 | 6,731,000 | 6,791,000 | 6,622,000 |
| Securities held to maturity | 1,334,000 | 1,533,000 | 1,533,000 | 1,339,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,098,000 | 15,453,000 | 14,987,000 | 15,424,000 |
| Interest-bearing deposits | 12,367,000 | 12,716,000 | 12,242,000 | 12,425,000 |
| Noninterest-bearing deposits | 2,731,000 | 2,737,000 | 2,744,000 | 2,999,000 |
| Equity capital | 3,075,000 | 3,192,000 | 3,208,000 | 3,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 244,000 | 490,000 | 746,000 | 1,002,000 |
| Interest expense | 62,000 | 132,000 | 208,000 | 288,000 |
| Net interest income | 182,000 | 358,000 | 538,000 | 714,000 |
| Noninterest income | 21,000 | 43,000 | 64,000 | 84,000 |
| Noninterest expense | 112,000 | 231,000 | 375,000 | 536,000 |
| Provision for loan losses | 0 | 0 | 0 | 7,000 |
| Pretax income | 91,000 | 170,000 | 227,000 | 255,000 |
| Income tax | 5,000 | 4,000 | 6,000 | 8,000 |
| Net income | 86,000 | 166,000 | 221,000 | 247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,160,000 | 3,220,000 | 3,255,000 | 3,261,000 |
| Total capital | 3,271,000 | 3,332,000 | 3,359,000 | 3,369,000 |
| Risk-weighted assets | 10,155,000 | 10,362,000 | 10,283,000 | 10,052,000 |