Call reports 2005
UNION STATE BANK — 2005
What UNION STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 267,957,000 | 265,128,000 | 274,878,000 | 289,934,000 |
| Total loans | 123,571,000 | 121,314,000 | 123,946,000 | 126,562,000 |
| Allowance for loan losses | 2,412,000 | 2,194,000 | 2,182,000 | 2,281,000 |
| Securities available for sale | 102,282,000 | 109,802,000 | 125,103,000 | 124,073,000 |
| Securities held to maturity | 1,050,000 | 1,050,000 | 890,000 | 890,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,266,000 | 238,224,000 | 248,959,000 | 244,686,000 |
| Interest-bearing deposits | 165,341,000 | 163,367,000 | 169,019,000 | 174,738,000 |
| Noninterest-bearing deposits | 78,925,000 | 74,857,000 | 79,940,000 | 69,948,000 |
| Equity capital | 19,246,000 | 21,757,000 | 20,677,000 | 20,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,212,000 | 6,518,000 | 10,165,000 | 14,127,000 |
| Interest expense | 832,000 | 1,667,000 | 2,752,000 | 3,990,000 |
| Net interest income | 2,380,000 | 4,851,000 | 7,413,000 | 10,137,000 |
| Noninterest income | 540,000 | 1,096,000 | 1,623,000 | 2,099,000 |
| Noninterest expense | 2,080,000 | 4,223,000 | 6,376,000 | 8,368,000 |
| Provision for loan losses | 0 | 0 | 400,000 | 550,000 |
| Pretax income | 839,000 | 1,726,000 | 2,262,000 | 3,320,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 839,000 | 1,726,000 | 2,262,000 | 3,320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,672,000 | 23,201,000 | 23,738,000 | 24,627,000 |
| Total capital | 24,559,000 | 25,059,000 | 25,657,000 | 26,690,000 |
| Risk-weighted assets | 151,937,000 | 151,179,000 | 156,477,000 | 164,807,000 |