Call reports 2016
UNION STATE BANK — 2016
What UNION STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 142,496,000 | 144,339,000 | 144,559,000 | 146,539,000 |
| Total loans | 55,494,000 | 55,336,000 | 58,095,000 | 59,915,000 |
| Allowance for loan losses | 1,002,000 | 1,016,000 | 953,000 | 1,015,000 |
| Securities available for sale | 79,076,000 | 81,207,000 | 78,259,000 | 77,734,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,375,000 | 78,929,000 | 78,371,000 | 77,570,000 |
| Interest-bearing deposits | 71,805,000 | 69,526,000 | 68,481,000 | 68,284,000 |
| Noninterest-bearing deposits | 9,570,000 | 9,403,000 | 9,890,000 | 9,286,000 |
| Equity capital | 16,149,000 | 16,643,000 | 16,599,000 | 15,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,248,000 | 2,477,000 | 3,707,000 | 4,912,000 |
| Interest expense | 405,000 | 812,000 | 1,201,000 | 1,566,000 |
| Net interest income | 843,000 | 1,665,000 | 2,506,000 | 3,346,000 |
| Noninterest income | 74,000 | 105,000 | 165,000 | 243,000 |
| Noninterest expense | 718,000 | 1,439,000 | 2,138,000 | 2,797,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 273,000 | 434,000 | 636,000 | 895,000 |
| Income tax | 87,000 | 92,000 | 115,000 | 207,000 |
| Net income | 186,000 | 342,000 | 521,000 | 688,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,010,000 | 15,106,000 | 15,226,000 | 15,092,000 |
| Total capital | 15,980,000 | 16,057,000 | 16,179,000 | 16,107,000 |
| Risk-weighted assets | 77,628,000 | 76,035,000 | 77,389,000 | 84,757,000 |