Call reports 2006
UNION STATE BANK — 2006
What UNION STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 128,939,000 | 129,545,000 | 131,855,000 | 132,433,000 |
| Total loans | 42,962,000 | 44,332,000 | 50,275,000 | 54,165,000 |
| Allowance for loan losses | 909,000 | 925,000 | 971,000 | 986,000 |
| Securities available for sale | 79,407,000 | 77,544,000 | 74,946,000 | 72,505,000 |
| Securities held to maturity | 499,000 | 473,000 | 452,000 | 420,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,735,000 | 76,094,000 | 75,187,000 | 75,791,000 |
| Interest-bearing deposits | 66,178,000 | 69,581,000 | 68,686,000 | 68,767,000 |
| Noninterest-bearing deposits | 8,557,000 | 6,513,000 | 6,501,000 | 7,024,000 |
| Equity capital | 12,422,000 | 11,850,000 | 12,977,000 | 13,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,716,000 | 3,495,000 | 5,411,000 | 7,351,000 |
| Interest expense | 883,000 | 1,851,000 | 2,910,000 | 3,962,000 |
| Net interest income | 833,000 | 1,644,000 | 2,501,000 | 3,389,000 |
| Noninterest income | 64,000 | 140,000 | 210,000 | 274,000 |
| Noninterest expense | 556,000 | 1,110,000 | 1,695,000 | 2,393,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 115,000 |
| Pretax income | 311,000 | 614,000 | 927,000 | 1,156,000 |
| Income tax | 83,000 | 162,000 | 247,000 | 305,000 |
| Net income | 228,000 | 452,000 | 680,000 | 851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,153,000 | 13,221,000 | 13,329,000 | 13,380,000 |
| Total capital | 13,881,000 | 13,977,000 | 14,116,000 | 14,212,000 |
| Risk-weighted assets | 58,037,000 | 60,296,000 | 62,835,000 | 66,368,000 |