Call reports 2016
UNION STATE BANK — 2016
What UNION STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 30,975,000 | 30,254,000 | 28,675,000 | 29,719,000 |
| Total loans | 15,122,000 | 14,019,000 | 14,871,000 | 15,096,000 |
| Allowance for loan losses | 207,000 | 297,000 | 265,000 | 208,000 |
| Securities available for sale | 4,834,000 | 4,815,000 | 4,366,000 | 5,336,000 |
| Securities held to maturity | 1,795,000 | 1,792,000 | 1,486,000 | 807,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,205,000 | 25,424,000 | 23,767,000 | 24,904,000 |
| Interest-bearing deposits | 19,856,000 | 20,919,000 | 19,403,000 | 19,901,000 |
| Noninterest-bearing deposits | 6,349,000 | 4,505,000 | 4,364,000 | 5,003,000 |
| Equity capital | 4,711,000 | 4,789,000 | 4,847,000 | 4,782,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 300,000 | 582,000 | 859,000 | 1,145,000 |
| Interest expense | 43,000 | 86,000 | 127,000 | 173,000 |
| Net interest income | 257,000 | 496,000 | 732,000 | 972,000 |
| Noninterest income | 14,000 | 26,000 | 37,000 | 51,000 |
| Noninterest expense | 150,000 | 298,000 | 448,000 | 637,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 121,000 | 224,000 | 321,000 | 386,000 |
| Income tax | 5,000 | 5,000 | 9,000 | 15,000 |
| Net income | 116,000 | 219,000 | 312,000 | 371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,494,000 | 4,577,000 | 4,650,000 | 4,689,000 |
| Total capital | 4,701,000 | 4,780,000 | 4,856,000 | 4,897,000 |
| Risk-weighted assets | 16,814,000 | 16,131,000 | 16,460,000 | 16,605,000 |