Call reports 2010
UNION STATE BANK — 2010
What UNION STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 135,642,000 | 132,425,000 | 132,750,000 | 137,136,000 |
| Total loans | 53,394,000 | 51,801,000 | 51,258,000 | 51,013,000 |
| Allowance for loan losses | 1,179,000 | 1,261,000 | 1,044,000 | 1,181,000 |
| Securities available for sale | 76,242,000 | 74,217,000 | 75,189,000 | 79,451,000 |
| Securities held to maturity | 197,000 | 164,000 | 157,000 | 134,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,208,000 | 73,735,000 | 73,047,000 | 82,074,000 |
| Interest-bearing deposits | 66,606,000 | 67,480,000 | 66,203,000 | 74,432,000 |
| Noninterest-bearing deposits | 7,602,000 | 6,254,000 | 6,844,000 | 7,642,000 |
| Equity capital | 15,054,000 | 14,209,000 | 14,371,000 | 14,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,658,000 | 3,265,000 | 4,892,000 | 6,455,000 |
| Interest expense | 601,000 | 1,199,000 | 1,793,000 | 2,378,000 |
| Net interest income | 1,057,000 | 2,066,000 | 3,099,000 | 4,077,000 |
| Noninterest income | 71,000 | 157,000 | 192,000 | 295,000 |
| Noninterest expense | 694,000 | 1,365,000 | 2,029,000 | 2,716,000 |
| Provision for loan losses | 150,000 | 2,310,000 | 2,310,000 | 2,400,000 |
| Pretax income | 284,000 | -1,452,000 | -1,048,000 | -744,000 |
| Income tax | 67,000 | -553,000 | -436,000 | -339,000 |
| Net income | 217,000 | -899,000 | -612,000 | -405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,854,000 | 12,652,000 | 12,880,000 | 13,011,000 |
| Total capital | 14,687,000 | 13,490,000 | 13,692,000 | 13,833,000 |
| Risk-weighted assets | 66,302,000 | 66,587,000 | 64,695,000 | 65,424,000 |