Call reports 2014
UNION STATE BANK — 2014
What UNION STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 147,309,000 | 141,963,000 | 136,889,000 | 139,269,000 |
| Total loans | 52,274,000 | 53,582,000 | 53,062,000 | 54,078,000 |
| Allowance for loan losses | 1,195,000 | 1,215,000 | 1,130,000 | 1,015,000 |
| Securities available for sale | 83,293,000 | 81,743,000 | 78,409,000 | 77,343,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,217,000 | 84,239,000 | 78,812,000 | 82,575,000 |
| Interest-bearing deposits | 83,829,000 | 73,978,000 | 69,960,000 | 72,634,000 |
| Noninterest-bearing deposits | 10,388,000 | 10,261,000 | 8,852,000 | 9,941,000 |
| Equity capital | 14,845,000 | 15,749,000 | 15,779,000 | 15,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,317,000 | 2,676,000 | 4,008,000 | 5,300,000 |
| Interest expense | 406,000 | 823,000 | 1,242,000 | 1,655,000 |
| Net interest income | 911,000 | 1,853,000 | 2,766,000 | 3,645,000 |
| Noninterest income | 69,000 | 156,000 | 347,000 | 426,000 |
| Noninterest expense | 687,000 | 1,381,000 | 2,120,000 | 2,892,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 293,000 | 628,000 | 993,000 | 1,179,000 |
| Income tax | 64,000 | 146,000 | 240,000 | 276,000 |
| Net income | 229,000 | 482,000 | 753,000 | 903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,941,000 | 15,135,000 | 15,346,000 | 14,956,000 |
| Total capital | 15,798,000 | 15,985,000 | 16,174,000 | 15,791,000 |
| Risk-weighted assets | 68,194,000 | 67,578,000 | 65,973,000 | 66,663,000 |