Call reports 2015
UNION STATE BANK — 2015
What UNION STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 135,799,000 | 136,251,000 | 138,218,000 | 140,762,000 |
| Total loans | 54,289,000 | 54,814,000 | 57,781,000 | 56,855,000 |
| Allowance for loan losses | 1,026,000 | 1,019,000 | 1,025,000 | 1,033,000 |
| Securities available for sale | 74,723,000 | 74,433,000 | 73,466,000 | 76,415,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,081,000 | 78,549,000 | 78,703,000 | 81,154,000 |
| Interest-bearing deposits | 71,161,000 | 69,816,000 | 68,760,000 | 71,118,000 |
| Noninterest-bearing deposits | 9,920,000 | 8,733,000 | 9,943,000 | 10,036,000 |
| Equity capital | 16,156,000 | 15,673,000 | 16,237,000 | 15,456,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,257,000 | 2,495,000 | 3,770,000 | 5,032,000 |
| Interest expense | 393,000 | 787,000 | 1,185,000 | 1,583,000 |
| Net interest income | 864,000 | 1,708,000 | 2,585,000 | 3,449,000 |
| Noninterest income | 74,000 | 77,000 | 158,000 | 243,000 |
| Noninterest expense | 751,000 | 1,436,000 | 2,170,000 | 2,917,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 188,000 | 350,000 | 588,000 | 790,000 |
| Income tax | 24,000 | 38,000 | 82,000 | 142,000 |
| Net income | 164,000 | 312,000 | 506,000 | 648,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,060,000 | 15,148,000 | 15,282,000 | 14,884,000 |
| Total capital | 15,937,000 | 16,030,000 | 16,182,000 | 15,917,000 |
| Risk-weighted assets | 70,045,000 | 70,427,000 | 71,934,000 | 83,613,000 |