Call reports 2007
UNION STATE BANK — 2007
What UNION STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 275,344,000 | 277,681,000 | 281,739,000 | 299,126,000 |
| Total loans | 127,320,000 | 133,804,000 | 135,811,000 | 134,834,000 |
| Allowance for loan losses | 2,281,000 | 2,043,000 | 1,919,000 | 1,868,000 |
| Securities available for sale | 120,586,000 | 120,084,000 | 111,717,000 | 112,698,000 |
| Securities held to maturity | 815,000 | 815,000 | 715,000 | 715,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,839,000 | 235,517,000 | 243,298,000 | 259,395,000 |
| Interest-bearing deposits | 170,362,000 | 166,095,000 | 178,108,000 | 192,964,000 |
| Noninterest-bearing deposits | 72,477,000 | 69,422,000 | 65,190,000 | 66,431,000 |
| Equity capital | 22,713,000 | 22,678,000 | 24,842,000 | 26,042,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,143,000 | 8,250,000 | 12,552,000 | 16,784,000 |
| Interest expense | 1,757,000 | 3,433,000 | 5,211,000 | 6,888,000 |
| Net interest income | 2,386,000 | 4,817,000 | 7,341,000 | 9,896,000 |
| Noninterest income | 447,000 | 1,095,000 | 1,602,000 | 2,162,000 |
| Noninterest expense | 2,315,000 | 4,577,000 | 6,808,000 | 9,196,000 |
| Provision for loan losses | 100,000 | 100,000 | 250,000 | 280,000 |
| Pretax income | 418,000 | 1,235,000 | 1,888,000 | 2,571,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 418,000 | 1,235,000 | 1,888,000 | 2,571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,246,000 | 25,719,000 | 26,065,000 | 26,354,000 |
| Total capital | 27,230,000 | 27,762,000 | 27,984,000 | 28,222,000 |
| Risk-weighted assets | 158,417,000 | 164,948,000 | 167,399,000 | 170,508,000 |