Call reports 2016
UNION STATE BANK OF FARGO — 2016
What UNION STATE BANK OF FARGO reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 95,879,000 | 92,931,000 | 93,600,000 | 96,773,000 |
| Total loans | 76,148,000 | 78,507,000 | 80,055,000 | 82,527,000 |
| Allowance for loan losses | 1,390,000 | 1,113,000 | 1,140,000 | 1,158,000 |
| Securities available for sale | 6,161,000 | 5,952,000 | 5,676,000 | 5,178,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,813,000 | 77,218,000 | 77,105,000 | 77,410,000 |
| Interest-bearing deposits | 65,073,000 | 63,218,000 | 63,260,000 | 63,253,000 |
| Noninterest-bearing deposits | 16,740,000 | 14,000,000 | 13,845,000 | 14,157,000 |
| Equity capital | 8,242,000 | 8,422,000 | 8,641,000 | 8,594,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 976,000 | 1,998,000 | 3,061,000 | 4,095,000 |
| Interest expense | 130,000 | 249,000 | 369,000 | 488,000 |
| Net interest income | 846,000 | 1,749,000 | 2,692,000 | 3,607,000 |
| Noninterest income | 121,000 | 274,000 | 433,000 | 590,000 |
| Noninterest expense | 711,000 | 1,470,000 | 2,156,000 | 2,931,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 256,000 | 553,000 | 974,000 | 1,271,000 |
| Income tax | 92,000 | 199,000 | 350,000 | 454,000 |
| Net income | 164,000 | 354,000 | 624,000 | 817,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,216,000 | 8,369,000 | 8,600,000 | 8,627,000 |
| Total capital | 9,157,000 | 9,314,000 | 9,582,000 | 9,651,000 |
| Risk-weighted assets | 74,894,000 | 75,498,000 | 78,442,000 | 81,804,000 |