Call reports 2019
UNION STATE BANK OF FARGO — 2019
What UNION STATE BANK OF FARGO reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 106,520,000 | 106,253,000 | 107,000,000 | 109,857,000 |
| Total loans | 82,528,000 | 81,958,000 | 80,701,000 | 81,158,000 |
| Allowance for loan losses | 152,000 | 236,000 | 325,000 | 394,000 |
| Securities available for sale | 7,045,000 | 6,424,000 | 6,134,000 | 5,803,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,873,000 | 83,443,000 | 83,901,000 | 86,677,000 |
| Interest-bearing deposits | 70,389,000 | 68,716,000 | 68,336,000 | 69,486,000 |
| Noninterest-bearing deposits | 14,484,000 | 14,727,000 | 15,565,000 | 17,191,000 |
| Equity capital | 14,416,000 | 14,612,000 | 14,772,000 | 14,871,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,291,000 | 2,566,000 | 3,842,000 | 5,058,000 |
| Interest expense | 202,000 | 433,000 | 691,000 | 956,000 |
| Net interest income | 1,089,000 | 2,133,000 | 3,151,000 | 4,102,000 |
| Noninterest income | 125,000 | 263,000 | 410,000 | 577,000 |
| Noninterest expense | 825,000 | 1,708,000 | 2,575,000 | 3,467,000 |
| Provision for loan losses | 43,000 | 125,000 | 194,000 | 263,000 |
| Pretax income | 346,000 | 563,000 | 792,000 | 949,000 |
| Income tax | 93,000 | 152,000 | 213,000 | 264,000 |
| Net income | 253,000 | 411,000 | 579,000 | 685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,040,000 | 10,254,000 | 10,478,000 | 10,639,000 |
| Total capital | 10,192,000 | 10,490,000 | 10,803,000 | 11,033,000 |
| Risk-weighted assets | 79,546,000 | 79,184,000 | 78,834,000 | 78,834,000 |