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 | 30,816,000 | 28,363,000 | 29,102,000 | 30,232,000 |
| Total loans | 18,755,000 | 18,645,000 | 19,161,000 | 20,494,000 |
| Allowance for loan losses | 237,000 | 237,000 | 237,000 | 236,000 |
| Securities available for sale | 4,842,000 | 4,805,000 | 4,702,000 | 4,694,000 |
| Securities held to maturity | 1,372,000 | 1,371,000 | 1,370,000 | 1,369,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,471,000 | 22,041,000 | 22,241,000 | 23,392,000 |
| Interest-bearing deposits | 22,096,000 | 19,473,000 | 19,716,000 | 20,690,000 |
| Noninterest-bearing deposits | 2,375,000 | 2,568,000 | 2,525,000 | 2,702,000 |
| Equity capital | 2,388,000 | 2,464,000 | 2,444,000 | 2,406,000 |
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 | 396,000 | 810,000 | 1,241,000 | 1,693,000 |
| Interest expense | 128,000 | 262,000 | 405,000 | 557,000 |
| Net interest income | 268,000 | 548,000 | 836,000 | 1,136,000 |
| Noninterest income | 71,000 | 165,000 | 244,000 | 326,000 |
| Noninterest expense | 273,000 | 543,000 | 839,000 | 1,182,000 |
| Provision for loan losses | 0 | 0 | 3,000 | 8,000 |
| Pretax income | 66,000 | 170,000 | 238,000 | 272,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 66,000 | 170,000 | 238,000 | 272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,435,000 | 2,464,000 | 2,457,000 | 2,436,000 |
| Total capital | 2,672,000 | 2,695,000 | 2,694,000 | 2,672,000 |
| Risk-weighted assets | 19,101,000 | 18,474,000 | 19,029,000 | 20,221,000 |