Call reports 2010
UNION STATE BANK — 2010
What UNION STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 27,371,000 | 27,748,000 | 27,263,000 | 27,873,000 |
| Total loans | 11,862,000 | 11,649,000 | 11,530,000 | 11,686,000 |
| Allowance for loan losses | 115,000 | 117,000 | 118,000 | 118,000 |
| Securities available for sale | 10,329,000 | 10,141,000 | 10,631,000 | 9,935,000 |
| Securities held to maturity | 1,704,000 | 1,704,000 | 2,247,000 | 2,788,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,510,000 | 23,781,000 | 23,167,000 | 24,045,000 |
| Interest-bearing deposits | 20,287,000 | 20,523,000 | 19,784,000 | 20,570,000 |
| Noninterest-bearing deposits | 3,223,000 | 3,258,000 | 3,383,000 | 3,475,000 |
| Equity capital | 3,741,000 | 3,872,000 | 3,964,000 | 3,756,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 321,000 | 637,000 | 941,000 | 1,240,000 |
| Interest expense | 112,000 | 223,000 | 332,000 | 435,000 |
| Net interest income | 209,000 | 414,000 | 609,000 | 805,000 |
| Noninterest income | 21,000 | 44,000 | 63,000 | 84,000 |
| Noninterest expense | 145,000 | 288,000 | 437,000 | 608,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 10,000 |
| Pretax income | 85,000 | 160,000 | 225,000 | 271,000 |
| Income tax | 4,000 | 8,000 | 13,000 | 13,000 |
| Net income | 81,000 | 152,000 | 212,000 | 258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,685,000 | 3,736,000 | 3,777,000 | 3,803,000 |
| Total capital | 3,800,000 | 3,853,000 | 3,895,000 | 3,921,000 |
| Risk-weighted assets | 14,618,000 | 14,482,000 | 14,839,000 | 14,071,000 |