Call reports 2009
UNION STATE BANK — 2009
What UNION STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 140,864,000 | 136,459,000 | 136,970,000 | 138,058,000 |
| Total loans | 54,030,000 | 55,075,000 | 56,651,000 | 54,728,000 |
| Allowance for loan losses | 674,000 | 867,000 | 936,000 | 1,001,000 |
| Securities available for sale | 78,579,000 | 75,687,000 | 74,607,000 | 76,681,000 |
| Securities held to maturity | 280,000 | 242,000 | 215,000 | 208,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,559,000 | 77,804,000 | 75,239,000 | 77,837,000 |
| Interest-bearing deposits | 75,365,000 | 71,362,000 | 68,782,000 | 70,934,000 |
| Noninterest-bearing deposits | 7,194,000 | 6,442,000 | 6,457,000 | 6,903,000 |
| Equity capital | 14,122,000 | 14,414,000 | 15,013,000 | 14,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,810,000 | 3,608,000 | 5,396,000 | 7,104,000 |
| Interest expense | 770,000 | 1,499,000 | 2,191,000 | 2,842,000 |
| Net interest income | 1,040,000 | 2,109,000 | 3,205,000 | 4,262,000 |
| Noninterest income | 68,000 | 148,000 | 200,000 | 322,000 |
| Noninterest expense | 621,000 | 1,314,000 | 2,037,000 | 2,735,000 |
| Provision for loan losses | 0 | 180,000 | 570,000 | 956,000 |
| Pretax income | 488,000 | 764,000 | 1,000,000 | 1,183,000 |
| Income tax | 141,000 | 194,000 | 259,000 | 310,000 |
| Net income | 347,000 | 570,000 | 741,000 | 873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,441,000 | 13,574,000 | 13,655,000 | 13,697,000 |
| Total capital | 14,115,000 | 14,441,000 | 14,591,000 | 14,587,000 |
| Risk-weighted assets | 72,120,000 | 71,940,000 | 79,134,000 | 71,112,000 |