Call reports 2015
UNION STATE BANK OF FARGO — 2015
What UNION STATE BANK OF FARGO reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 87,377,000 | 86,513,000 | 90,986,000 | 94,787,000 |
| Total loans | 69,510,000 | 69,269,000 | 74,517,000 | 73,950,000 |
| Allowance for loan losses | 1,497,000 | 1,514,000 | 1,517,000 | 1,388,000 |
| Securities available for sale | 3,021,000 | 4,732,000 | 5,439,000 | 6,148,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,996,000 | 72,635,000 | 76,854,000 | 80,548,000 |
| Interest-bearing deposits | 59,042,000 | 59,140,000 | 61,244,000 | 63,113,000 |
| Noninterest-bearing deposits | 13,954,000 | 13,495,000 | 15,610,000 | 17,435,000 |
| Equity capital | 7,741,000 | 7,821,000 | 8,025,000 | 8,052,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 926,000 | 1,852,000 | 2,858,000 | 3,849,000 |
| Interest expense | 127,000 | 258,000 | 387,000 | 520,000 |
| Net interest income | 799,000 | 1,594,000 | 2,471,000 | 3,329,000 |
| Noninterest income | 149,000 | 301,000 | 472,000 | 646,000 |
| Noninterest expense | 726,000 | 1,433,000 | 2,122,000 | 2,821,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 222,000 | 462,000 | 821,000 | 1,154,000 |
| Income tax | 86,000 | 180,000 | 320,000 | 414,000 |
| Net income | 136,000 | 282,000 | 501,000 | 740,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,726,000 | 7,834,000 | 8,015,000 | 8,053,000 |
| Total capital | 8,529,000 | 8,620,000 | 8,869,000 | 8,921,000 |
| Risk-weighted assets | 63,597,000 | 62,197,000 | 67,705,000 | 68,956,000 |