Call reports 2007
UNION STATE BANK — 2007
What UNION STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 130,942,000 | 129,899,000 | 134,132,000 | 135,045,000 |
| Total loans | 54,154,000 | 54,312,000 | 55,638,000 | 56,927,000 |
| Allowance for loan losses | 851,000 | 678,000 | 722,000 | 795,000 |
| Securities available for sale | 71,254,000 | 68,329,000 | 72,162,000 | 72,470,000 |
| Securities held to maturity | 413,000 | 389,000 | 377,000 | 362,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,411,000 | 78,514,000 | 74,972,000 | 76,668,000 |
| Interest-bearing deposits | 68,724,000 | 72,329,000 | 68,706,000 | 69,278,000 |
| Noninterest-bearing deposits | 6,687,000 | 6,185,000 | 6,266,000 | 7,390,000 |
| Equity capital | 13,405,000 | 12,986,000 | 13,448,000 | 13,605,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,929,000 | 3,857,000 | 5,844,000 | 7,854,000 |
| Interest expense | 1,064,000 | 2,172,000 | 3,321,000 | 4,462,000 |
| Net interest income | 865,000 | 1,685,000 | 2,523,000 | 3,392,000 |
| Noninterest income | 74,000 | 139,000 | 223,000 | 312,000 |
| Noninterest expense | 578,000 | 1,145,000 | 1,739,000 | 2,388,000 |
| Provision for loan losses | 15,000 | 30,000 | 60,000 | 90,000 |
| Pretax income | 346,000 | 649,000 | 947,000 | 1,234,000 |
| Income tax | 99,000 | 181,000 | 249,000 | 332,000 |
| Net income | 247,000 | 468,000 | 698,000 | 902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,508,000 | 13,608,000 | 13,718,000 | 13,802,000 |
| Total capital | 14,332,000 | 14,286,000 | 14,440,000 | 14,597,000 |
| Risk-weighted assets | 65,877,000 | 67,280,000 | 69,547,000 | 70,805,000 |