Call reports 2015
UNION STATE BANK — 2015
What UNION STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 30,502,000 | 30,364,000 | 29,318,000 | 30,922,000 |
| Total loans | 14,575,000 | 14,213,000 | 15,567,000 | 14,965,000 |
| Allowance for loan losses | 207,000 | 208,000 | 208,000 | 209,000 |
| Securities available for sale | 6,467,000 | 6,372,000 | 6,907,000 | 5,830,000 |
| Securities held to maturity | 2,093,000 | 2,090,000 | 1,986,000 | 1,799,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,746,000 | 25,562,000 | 24,415,000 | 26,166,000 |
| Interest-bearing deposits | 21,029,000 | 20,971,000 | 20,075,000 | 19,469,000 |
| Noninterest-bearing deposits | 4,717,000 | 4,591,000 | 4,340,000 | 6,697,000 |
| Equity capital | 4,691,000 | 4,744,000 | 4,837,000 | 4,721,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 281,000 | 586,000 | 887,000 | 1,190,000 |
| Interest expense | 44,000 | 87,000 | 129,000 | 171,000 |
| Net interest income | 237,000 | 499,000 | 758,000 | 1,019,000 |
| Noninterest income | 18,000 | 32,000 | 50,000 | 63,000 |
| Noninterest expense | 160,000 | 309,000 | 461,000 | 678,000 |
| Provision for loan losses | 0 | 0 | 0 | 84,000 |
| Pretax income | 95,000 | 222,000 | 347,000 | 320,000 |
| Income tax | 4,000 | 7,000 | 11,000 | 14,000 |
| Net income | 91,000 | 215,000 | 336,000 | 306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,361,000 | 4,465,000 | 4,566,000 | 4,516,000 |
| Total capital | 4,566,000 | 4,664,000 | 4,774,000 | 4,724,000 |
| Risk-weighted assets | 16,405,000 | 15,899,000 | 16,702,000 | 16,627,000 |