Call reports 2009
UNION STATE BANK — 2009
What UNION STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 25,434,000 | 26,689,000 | 25,727,000 | 27,102,000 |
| Total loans | 10,815,000 | 11,253,000 | 11,642,000 | 11,579,000 |
| Allowance for loan losses | 126,000 | 126,000 | 126,000 | 122,000 |
| Securities available for sale | 12,035,000 | 11,929,000 | 11,233,000 | 9,937,000 |
| Securities held to maturity | 1,715,000 | 1,714,000 | 1,819,000 | 1,705,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,217,000 | 22,937,000 | 21,748,000 | 23,183,000 |
| Interest-bearing deposits | 17,549,000 | 19,244,000 | 18,551,000 | 18,657,000 |
| Noninterest-bearing deposits | 3,668,000 | 3,693,000 | 3,197,000 | 4,526,000 |
| Equity capital | 3,687,000 | 3,654,000 | 3,837,000 | 3,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 342,000 | 684,000 | 1,039,000 | 1,378,000 |
| Interest expense | 123,000 | 247,000 | 366,000 | 482,000 |
| Net interest income | 219,000 | 437,000 | 673,000 | 896,000 |
| Noninterest income | 21,000 | 41,000 | 62,000 | 84,000 |
| Noninterest expense | 144,000 | 280,000 | 439,000 | 599,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 96,000 | 198,000 | 296,000 | 371,000 |
| Income tax | 5,000 | 9,000 | 13,000 | 18,000 |
| Net income | 91,000 | 189,000 | 283,000 | 353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,614,000 | 3,692,000 | 3,766,000 | 3,816,000 |
| Total capital | 3,740,000 | 3,818,000 | 3,892,000 | 3,938,000 |
| Risk-weighted assets | 12,909,000 | 13,606,000 | 13,690,000 | 13,938,000 |