Call reports 2006
UNION STATE BANK OF FARGO — 2006
What UNION STATE BANK OF FARGO reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 41,726,000 | 43,963,000 | 44,341,000 | 47,320,000 |
| Total loans | 37,309,000 | 39,714,000 | 38,943,000 | 39,043,000 |
| Allowance for loan losses | 312,000 | 310,000 | 319,000 | 312,000 |
| Securities available for sale | 64,000 | 63,000 | 65,000 | 61,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,244,000 | 34,085,000 | 36,620,000 | 39,833,000 |
| Interest-bearing deposits | 27,297,000 | 21,773,000 | 29,059,000 | 30,416,000 |
| Noninterest-bearing deposits | 6,947,000 | 12,313,000 | 7,561,000 | 9,417,000 |
| Equity capital | 3,730,000 | 3,900,000 | 3,795,000 | 3,855,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 674,000 | 1,403,000 | 2,171,000 | 2,988,000 |
| Interest expense | 240,000 | 517,000 | 829,000 | 1,154,000 |
| Net interest income | 434,000 | 886,000 | 1,342,000 | 1,834,000 |
| Noninterest income | 135,000 | 280,000 | 420,000 | 568,000 |
| Noninterest expense | 542,000 | 1,073,000 | 1,594,000 | 2,130,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 16,000 |
| Pretax income | 27,000 | 93,000 | 143,000 | 256,000 |
| Income tax | 8,000 | 35,000 | 53,000 | 95,000 |
| Net income | 19,000 | 58,000 | 90,000 | 161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,730,000 | 3,900,000 | 3,792,000 | 3,855,000 |
| Total capital | 4,042,000 | 4,210,000 | 4,111,000 | 4,167,000 |
| Risk-weighted assets | 36,654,000 | 37,975,000 | 38,573,000 | 39,462,000 |