Call reports 2009
UNION STATE BANK OF FARGO — 2009
What UNION STATE BANK OF FARGO reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 48,587,000 | 51,195,000 | 54,152,000 | 60,597,000 |
| Total loans | 44,716,000 | 47,094,000 | 49,708,000 | 51,744,000 |
| Allowance for loan losses | 263,000 | 295,000 | 340,000 | 351,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,748,000 | 41,007,000 | 42,541,000 | 48,803,000 |
| Interest-bearing deposits | 31,579,000 | 32,773,000 | 34,485,000 | 39,467,000 |
| Noninterest-bearing deposits | 7,169,000 | 8,233,000 | 8,055,000 | 9,336,000 |
| Equity capital | 4,182,000 | 4,252,000 | 4,180,000 | 4,451,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 752,000 | 1,550,000 | 2,358,000 | 3,216,000 |
| Interest expense | 192,000 | 396,000 | 605,000 | 826,000 |
| Net interest income | 560,000 | 1,154,000 | 1,753,000 | 2,390,000 |
| Noninterest income | 139,000 | 284,000 | 443,000 | 662,000 |
| Noninterest expense | 548,000 | 1,145,000 | 1,775,000 | 2,369,000 |
| Provision for loan losses | 46,000 | 89,000 | 265,000 | 305,000 |
| Pretax income | 105,000 | 204,000 | 156,000 | 378,000 |
| Income tax | 33,000 | 62,000 | 86,000 | 126,000 |
| Net income | 72,000 | 142,000 | 70,000 | 252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,182,000 | 4,252,000 | 4,180,000 | 4,451,000 |
| Total capital | 4,445,000 | 4,547,000 | 4,520,000 | 4,802,000 |
| Risk-weighted assets | 41,421,000 | 42,826,000 | 44,396,000 | 47,140,000 |