Call reports 2014
UNION STATE BANK — 2014
What UNION STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 27,879,000 | 29,466,000 | 28,205,000 | 30,889,000 |
| Total loans | 14,128,000 | 13,514,000 | 14,047,000 | 14,470,000 |
| Allowance for loan losses | 120,000 | 122,000 | 122,000 | 206,000 |
| Securities available for sale | 7,605,000 | 7,567,000 | 7,521,000 | 6,489,000 |
| Securities held to maturity | 2,247,000 | 2,243,000 | 2,240,000 | 2,097,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,237,000 | 24,739,000 | 23,388,000 | 26,164,000 |
| Interest-bearing deposits | 19,096,000 | 20,717,000 | 19,464,000 | 20,198,000 |
| Noninterest-bearing deposits | 4,141,000 | 4,022,000 | 3,924,000 | 5,967,000 |
| Equity capital | 4,576,000 | 4,671,000 | 4,747,000 | 4,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 322,000 | 583,000 | 858,000 | 1,135,000 |
| Interest expense | 43,000 | 88,000 | 132,000 | 177,000 |
| Net interest income | 279,000 | 495,000 | 726,000 | 958,000 |
| Noninterest income | 15,000 | 28,000 | 42,000 | 56,000 |
| Noninterest expense | 160,000 | 301,000 | 449,000 | 631,000 |
| Provision for loan losses | 0 | 0 | 0 | 110,000 |
| Pretax income | 134,000 | 222,000 | 319,000 | 273,000 |
| Income tax | 7,000 | 7,000 | 10,000 | 14,000 |
| Net income | 127,000 | 215,000 | 309,000 | 259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,290,000 | 4,358,000 | 4,432,000 | 4,362,000 |
| Total capital | 4,410,000 | 4,480,000 | 4,554,000 | 4,568,000 |
| Risk-weighted assets | 15,620,000 | 15,495,000 | 15,672,000 | 16,487,000 |