Call reports 2006
UNION STATE BANK — 2006
What UNION STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 30,185,000 | 29,826,000 | 31,020,000 | 30,097,000 |
| Total loans | 20,629,000 | 20,582,000 | 19,821,000 | 20,206,000 |
| Allowance for loan losses | 252,000 | 249,000 | 250,000 | 254,000 |
| Securities available for sale | 4,621,000 | 4,797,000 | 5,279,000 | 5,186,000 |
| Securities held to maturity | 1,368,000 | 1,367,000 | 1,266,000 | 1,265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,046,000 | 23,790,000 | 25,025,000 | 23,681,000 |
| Interest-bearing deposits | 21,220,000 | 21,098,000 | 22,123,000 | 20,839,000 |
| Noninterest-bearing deposits | 2,826,000 | 2,692,000 | 2,902,000 | 2,842,000 |
| Equity capital | 2,461,000 | 2,482,000 | 2,608,000 | 2,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 481,000 | 982,000 | 1,483,000 | 1,980,000 |
| Interest expense | 164,000 | 347,000 | 544,000 | 748,000 |
| Net interest income | 317,000 | 635,000 | 939,000 | 1,232,000 |
| Noninterest income | 71,000 | 153,000 | 262,000 | 337,000 |
| Noninterest expense | 286,000 | 573,000 | 855,000 | 1,223,000 |
| Provision for loan losses | 15,000 | 15,000 | 21,000 | 26,000 |
| Pretax income | 87,000 | 200,000 | 325,000 | 330,000 |
| Income tax | 0 | 0 | 6,000 | 8,000 |
| Net income | 87,000 | 200,000 | 319,000 | 322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,488,000 | 2,536,000 | 2,615,000 | 2,568,000 |
| Total capital | 2,740,000 | 2,785,000 | 2,857,000 | 2,811,000 |
| Risk-weighted assets | 20,421,000 | 19,913,000 | 19,342,000 | 19,414,000 |