Call reports 2015
UNION STATE BANK — 2015
What UNION STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 45,663,000 | 45,630,000 | 46,577,000 | 48,308,000 |
| Total loans | 30,221,000 | 31,109,000 | 31,838,000 | 33,329,000 |
| Allowance for loan losses | 297,000 | 300,000 | 303,000 | 319,000 |
| Securities available for sale | 8,270,000 | 7,793,000 | 7,544,000 | 7,430,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,804,000 | 36,907,000 | 37,855,000 | 40,726,000 |
| Interest-bearing deposits | 27,922,000 | 28,022,000 | 28,546,000 | 31,469,000 |
| Noninterest-bearing deposits | 8,882,000 | 8,885,000 | 9,309,000 | 9,257,000 |
| Equity capital | 3,751,000 | 3,645,000 | 3,793,000 | 3,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 480,000 | 973,000 | 1,483,000 | 1,996,000 |
| Interest expense | 46,000 | 93,000 | 138,000 | 187,000 |
| Net interest income | 434,000 | 880,000 | 1,345,000 | 1,809,000 |
| Noninterest income | 107,000 | 213,000 | 320,000 | 431,000 |
| Noninterest expense | 407,000 | 826,000 | 1,257,000 | 1,744,000 |
| Provision for loan losses | 5,000 | 5,000 | 10,000 | 50,000 |
| Pretax income | 135,000 | 268,000 | 404,000 | 452,000 |
| Income tax | 0 | 8,000 | 11,000 | 15,000 |
| Net income | 135,000 | 260,000 | 393,000 | 437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,544,000 | 3,559,000 | 3,652,000 | 3,566,000 |
| Total capital | 3,841,000 | 3,859,000 | 3,955,000 | 3,885,000 |
| Risk-weighted assets | 30,129,000 | 31,651,000 | 32,784,000 | 34,486,000 |