Call reports 2013
UNION STATE BANK OF FARGO — 2013
What UNION STATE BANK OF FARGO reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 77,673,000 | 78,078,000 | 78,117,000 | 79,746,000 |
| Total loans | 64,762,000 | 63,830,000 | 64,119,000 | 66,123,000 |
| Allowance for loan losses | 765,000 | 766,000 | 905,000 | 1,364,000 |
| Securities available for sale | 1,720,000 | 2,458,000 | 3,137,000 | 3,590,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,332,000 | 65,054,000 | 65,304,000 | 67,379,000 |
| Interest-bearing deposits | 52,601,000 | 51,494,000 | 52,972,000 | 53,197,000 |
| Noninterest-bearing deposits | 11,731,000 | 13,560,000 | 12,332,000 | 14,182,000 |
| Equity capital | 6,408,000 | 6,460,000 | 6,558,000 | 6,178,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 944,000 | 1,837,000 | 2,751,000 | 3,687,000 |
| Interest expense | 138,000 | 274,000 | 406,000 | 529,000 |
| Net interest income | 806,000 | 1,563,000 | 2,345,000 | 3,158,000 |
| Noninterest income | 163,000 | 333,000 | 527,000 | 673,000 |
| Noninterest expense | 679,000 | 1,375,000 | 2,058,000 | 2,831,000 |
| Provision for loan losses | 34,000 | 34,000 | 169,000 | 622,000 |
| Pretax income | 256,000 | 498,000 | 656,000 | 389,000 |
| Income tax | 100,000 | 194,000 | 255,000 | 125,000 |
| Net income | 156,000 | 304,000 | 401,000 | 264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,381,000 | 6,488,000 | 6,584,000 | 6,210,000 |
| Total capital | 7,101,000 | 7,192,000 | 7,292,000 | 6,950,000 |
| Risk-weighted assets | 57,578,000 | 56,366,000 | 56,475,000 | 58,541,000 |