Call reports 2007
UNION STATE BANK — 2007
What UNION STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 20,004,000 | 20,275,000 | 20,442,000 | 21,562,000 |
| Total loans | 8,758,000 | 9,546,000 | 10,195,000 | 10,718,000 |
| Allowance for loan losses | 107,000 | 108,000 | 109,000 | 109,000 |
| Securities available for sale | 7,291,000 | 7,876,000 | 6,902,000 | 7,182,000 |
| Securities held to maturity | 1,325,000 | 1,498,000 | 1,618,000 | 1,598,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,621,000 | 16,898,000 | 16,851,000 | 17,888,000 |
| Interest-bearing deposits | 13,278,000 | 13,689,000 | 13,870,000 | 14,533,000 |
| Noninterest-bearing deposits | 3,343,000 | 3,209,000 | 2,981,000 | 3,355,000 |
| Equity capital | 3,270,000 | 3,284,000 | 3,462,000 | 3,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 306,000 | 619,000 | 963,000 | 1,301,000 |
| Interest expense | 110,000 | 226,000 | 353,000 | 493,000 |
| Net interest income | 196,000 | 393,000 | 610,000 | 808,000 |
| Noninterest income | 20,000 | 45,000 | 66,000 | 92,000 |
| Noninterest expense | 136,000 | 269,000 | 402,000 | 545,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 80,000 | 169,000 | 271,000 | 351,000 |
| Income tax | 4,000 | 6,000 | 8,000 | 13,000 |
| Net income | 76,000 | 164,000 | 264,000 | 338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,339,000 | 3,407,000 | 3,487,000 | 3,541,000 |
| Total capital | 3,446,000 | 3,515,000 | 3,596,000 | 3,650,000 |
| Risk-weighted assets | 10,520,000 | 11,239,000 | 11,739,000 | 12,249,000 |