Call reports 2008
UNION STATE BANK — 2008
What UNION STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 286,090,000 | 287,310,000 | 281,259,000 | 306,779,000 |
| Total loans | 134,480,000 | 139,352,000 | 151,165,000 | 157,433,000 |
| Allowance for loan losses | 1,911,000 | 1,848,000 | 1,869,000 | 1,920,000 |
| Securities available for sale | 105,027,000 | 105,783,000 | 106,662,000 | 100,864,000 |
| Securities held to maturity | 715,000 | 715,000 | 590,000 | 590,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,809,000 | 250,132,000 | 236,243,000 | 264,306,000 |
| Interest-bearing deposits | 175,467,000 | 181,521,000 | 169,368,000 | 203,059,000 |
| Noninterest-bearing deposits | 69,342,000 | 68,611,000 | 66,875,000 | 61,247,000 |
| Equity capital | 27,849,000 | 25,049,000 | 26,598,000 | 29,198,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,015,000 | 7,821,000 | 11,680,000 | 15,502,000 |
| Interest expense | 1,511,000 | 2,753,000 | 3,910,000 | 4,869,000 |
| Net interest income | 2,504,000 | 5,068,000 | 7,770,000 | 10,633,000 |
| Noninterest income | 495,000 | 1,071,000 | 1,652,000 | 2,256,000 |
| Noninterest expense | 2,407,000 | 4,870,000 | 7,358,000 | 9,888,000 |
| Provision for loan losses | 35,000 | 35,000 | 83,000 | 185,000 |
| Pretax income | 631,000 | 1,309,000 | 2,056,000 | 2,891,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 631,000 | 1,309,000 | 2,056,000 | 2,891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,507,000 | 26,964,000 | 27,173,000 | 27,317,000 |
| Total capital | 28,418,000 | 28,812,000 | 29,042,000 | 29,237,000 |
| Risk-weighted assets | 171,127,000 | 174,927,000 | 180,887,000 | 189,275,000 |