Call reports 2016
UNION STATE BANK — 2016
What UNION STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 51,377,000 | 51,283,000 | 48,428,000 | 49,702,000 |
| Total loans | 34,056,000 | 34,404,000 | 34,144,000 | 34,442,000 |
| Allowance for loan losses | 346,000 | 315,000 | 321,000 | 328,000 |
| Securities available for sale | 7,687,000 | 7,605,000 | 7,365,000 | 7,071,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,987,000 | 42,043,000 | 39,164,000 | 41,472,000 |
| Interest-bearing deposits | 33,216,000 | 31,151,000 | 29,292,000 | 30,961,000 |
| Noninterest-bearing deposits | 10,771,000 | 10,892,000 | 9,872,000 | 10,511,000 |
| Equity capital | 3,897,000 | 3,991,000 | 4,032,000 | 3,823,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 527,000 | 1,068,000 | 1,613,000 | 2,157,000 |
| Interest expense | 47,000 | 92,000 | 139,000 | 190,000 |
| Net interest income | 480,000 | 976,000 | 1,474,000 | 1,967,000 |
| Noninterest income | 96,000 | 195,000 | 336,000 | 434,000 |
| Noninterest expense | 423,000 | 873,000 | 1,383,000 | 1,877,000 |
| Provision for loan losses | 10,000 | 30,000 | 40,000 | 50,000 |
| Pretax income | 143,000 | 268,000 | 387,000 | 474,000 |
| Income tax | 4,000 | 14,000 | 19,000 | 23,000 |
| Net income | 139,000 | 254,000 | 368,000 | 451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,665,000 | 3,705,000 | 3,780,000 | 3,732,000 |
| Total capital | 4,011,000 | 4,020,000 | 4,101,000 | 4,060,000 |
| Risk-weighted assets | 34,674,000 | 35,607,000 | 35,891,000 | 36,080,000 |