Call reports 2014
UNION STATE BANK — 2014
What UNION STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 45,189,000 | 43,462,000 | 43,889,000 | 47,401,000 |
| Total loans | 26,634,000 | 27,633,000 | 28,453,000 | 31,224,000 |
| Allowance for loan losses | 308,000 | 316,000 | 285,000 | 293,000 |
| Securities available for sale | 9,735,000 | 9,463,000 | 9,254,000 | 9,102,000 |
| Securities held to maturity | 9,000 | 2,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,820,000 | 37,041,000 | 37,182,000 | 41,012,000 |
| Interest-bearing deposits | 29,229,000 | 28,347,000 | 27,934,000 | 31,784,000 |
| Noninterest-bearing deposits | 9,591,000 | 8,694,000 | 9,248,000 | 9,228,000 |
| Equity capital | 3,337,000 | 3,444,000 | 3,582,000 | 3,594,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 447,000 | 900,000 | 1,367,000 | 1,854,000 |
| Interest expense | 53,000 | 103,000 | 152,000 | 201,000 |
| Net interest income | 394,000 | 797,000 | 1,215,000 | 1,653,000 |
| Noninterest income | 101,000 | 216,000 | 334,000 | 459,000 |
| Noninterest expense | 372,000 | 774,000 | 1,199,000 | 1,692,000 |
| Provision for loan losses | 0 | 10,000 | 20,000 | 30,000 |
| Pretax income | 123,000 | 229,000 | 330,000 | 390,000 |
| Income tax | 0 | 6,000 | 6,000 | 13,000 |
| Net income | 123,000 | 223,000 | 324,000 | 377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,355,000 | 3,395,000 | 3,461,000 | 3,409,000 |
| Total capital | 3,663,000 | 3,711,000 | 3,746,000 | 3,702,000 |
| Risk-weighted assets | 32,389,000 | 33,108,000 | 33,973,000 | 36,805,000 |