Call reports 2014
UNION STATE BANK OF FARGO — 2014
What UNION STATE BANK OF FARGO reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 77,913,000 | 81,763,000 | 81,557,000 | 89,597,000 |
| Total loans | 69,275,000 | 71,701,000 | 73,093,000 | 70,628,000 |
| Allowance for loan losses | 1,420,000 | 1,502,000 | 1,504,000 | 1,451,000 |
| Securities available for sale | 3,361,000 | 2,786,000 | 2,668,000 | 2,850,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,561,000 | 64,868,000 | 67,734,000 | 75,296,000 |
| Interest-bearing deposits | 51,104,000 | 51,462,000 | 53,025,000 | 57,897,000 |
| Noninterest-bearing deposits | 12,457,000 | 13,406,000 | 14,709,000 | 17,399,000 |
| Equity capital | 6,295,000 | 6,424,000 | 7,091,000 | 7,634,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 917,000 | 1,880,000 | 2,840,000 | 3,815,000 |
| Interest expense | 116,000 | 227,000 | 343,000 | 461,000 |
| Net interest income | 801,000 | 1,653,000 | 2,497,000 | 3,354,000 |
| Noninterest income | 137,000 | 267,000 | 409,000 | 604,000 |
| Noninterest expense | 686,000 | 1,466,000 | 2,164,000 | 2,872,000 |
| Provision for loan losses | 54,000 | 54,000 | 54,000 | 54,000 |
| Pretax income | 198,000 | 403,000 | 691,000 | 1,035,000 |
| Income tax | 77,000 | 149,000 | 269,000 | 362,000 |
| Net income | 121,000 | 254,000 | 422,000 | 673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,310,000 | 6,424,000 | 7,090,000 | 7,627,000 |
| Total capital | 7,088,000 | 7,239,000 | 7,916,000 | 8,436,000 |
| Risk-weighted assets | 61,609,000 | 64,478,000 | 65,406,000 | 64,057,000 |