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 | 30,600,000 | 31,529,000 | 31,278,000 | 32,074,000 |
| Total loans | 19,520,000 | 21,034,000 | 21,211,000 | 22,201,000 |
| Allowance for loan losses | 253,000 | 250,000 | 259,000 | 248,000 |
| Securities available for sale | 5,905,000 | 6,353,000 | 5,938,000 | 5,774,000 |
| Securities held to maturity | 1,264,000 | 1,263,000 | 1,072,000 | 1,070,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,125,000 | 23,757,000 | 23,386,000 | 23,785,000 |
| Interest-bearing deposits | 21,162,000 | 21,047,000 | 20,109,000 | 20,423,000 |
| Noninterest-bearing deposits | 2,963,000 | 2,710,000 | 3,277,000 | 3,362,000 |
| Equity capital | 2,620,000 | 2,576,000 | 2,705,000 | 2,697,000 |
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 | 523,000 | 1,057,000 | 1,594,000 | 2,133,000 |
| Interest expense | 204,000 | 414,000 | 636,000 | 854,000 |
| Net interest income | 319,000 | 643,000 | 958,000 | 1,279,000 |
| Noninterest income | 73,000 | 164,000 | 262,000 | 341,000 |
| Noninterest expense | 298,000 | 589,000 | 874,000 | 1,242,000 |
| Provision for loan losses | 0 | 3,000 | 23,000 | 23,000 |
| Pretax income | 94,000 | 215,000 | 323,000 | 355,000 |
| Income tax | 2,000 | 8,000 | 11,000 | 13,000 |
| Net income | 92,000 | 207,000 | 312,000 | 342,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,625,000 | 2,640,000 | 2,707,000 | 2,660,000 |
| Total capital | 2,863,000 | 2,890,000 | 2,962,000 | 2,908,000 |
| Risk-weighted assets | 18,990,000 | 20,392,000 | 20,410,000 | 21,491,000 |