Call reports 2009
UNION STATE BANK — 2009
What UNION STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 34,895,000 | 33,779,000 | 35,061,000 | 35,526,000 |
| Total loans | 23,108,000 | 23,128,000 | 22,690,000 | 22,799,000 |
| Allowance for loan losses | 350,000 | 387,000 | 400,000 | 398,000 |
| Securities available for sale | 6,337,000 | 6,051,000 | 6,894,000 | 6,888,000 |
| Securities held to maturity | 1,385,000 | 1,383,000 | 1,351,000 | 1,349,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,824,000 | 25,211,000 | 25,663,000 | 26,356,000 |
| Interest-bearing deposits | 22,711,000 | 21,450,000 | 21,471,000 | 21,959,000 |
| Noninterest-bearing deposits | 4,113,000 | 3,761,000 | 4,192,000 | 4,397,000 |
| Equity capital | 2,856,000 | 2,974,000 | 3,124,000 | 3,062,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 479,000 | 961,000 | 1,439,000 | 1,917,000 |
| Interest expense | 157,000 | 303,000 | 440,000 | 572,000 |
| Net interest income | 322,000 | 658,000 | 999,000 | 1,345,000 |
| Noninterest income | 105,000 | 212,000 | 331,000 | 433,000 |
| Noninterest expense | 344,000 | 696,000 | 1,036,000 | 1,431,000 |
| Provision for loan losses | 5,000 | 255,000 | 270,000 | 325,000 |
| Pretax income | 78,000 | -81,000 | 24,000 | 22,000 |
| Income tax | 0 | 3,000 | 5,000 | 8,000 |
| Net income | 78,000 | -84,000 | 19,000 | 14,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,705,000 | 2,818,000 | 2,892,000 | 2,872,000 |
| Total capital | 2,994,000 | 3,104,000 | 3,178,000 | 3,157,000 |
| Risk-weighted assets | 23,048,000 | 22,812,000 | 22,799,000 | 22,674,000 |