Call reports 2005
UNION STATE BANK OF FARGO — 2005
What UNION STATE BANK OF FARGO reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 40,497,000 | 54,499,000 | 42,526,000 | 46,816,000 |
| Total loans | 33,981,000 | 35,529,000 | 37,972,000 | 37,514,000 |
| Allowance for loan losses | 346,000 | 326,000 | 323,000 | 318,000 |
| Securities available for sale | 77,000 | 72,000 | 69,000 | 66,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,588,000 | 48,913,000 | 35,413,000 | 38,307,000 |
| Interest-bearing deposits | 24,016,000 | 25,525,000 | 26,877,000 | 27,682,000 |
| Noninterest-bearing deposits | 10,572,000 | 23,388,000 | 8,536,000 | 10,626,000 |
| Equity capital | 3,193,000 | 3,498,000 | 3,438,000 | 3,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 630,000 | 1,253,000 | 1,927,000 | 2,609,000 |
| Interest expense | 131,000 | 286,000 | 479,000 | 710,000 |
| Net interest income | 499,000 | 967,000 | 1,448,000 | 1,899,000 |
| Noninterest income | 145,000 | 310,000 | 472,000 | 626,000 |
| Noninterest expense | 499,000 | 1,065,000 | 1,634,000 | 2,144,000 |
| Provision for loan losses | -20,000 | -50,000 | -50,000 | -45,000 |
| Pretax income | 165,000 | 262,000 | 336,000 | 426,000 |
| Income tax | 70,000 | 112,000 | 141,000 | 148,000 |
| Net income | 95,000 | 150,000 | 195,000 | 278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,194,000 | 3,498,000 | 3,437,000 | 3,511,000 |
| Total capital | 3,540,000 | 3,824,000 | 3,760,000 | 3,829,000 |
| Risk-weighted assets | 32,663,000 | 35,774,000 | 37,594,000 | 37,950,000 |