Call reports 2020
UNION STATE BANK — 2020
What UNION STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 49,858,000 | 54,588,000 | 56,036,000 | 58,024,000 |
| Total loans | 37,732,000 | 40,088,000 | 39,454,000 | 38,254,000 |
| Allowance for loan losses | 345,000 | 350,000 | 349,000 | 349,000 |
| Securities available for sale | 6,040,000 | 6,020,000 | 5,438,000 | 7,380,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,337,000 | 45,981,000 | 47,758,000 | 50,765,000 |
| Interest-bearing deposits | 29,519,000 | 30,897,000 | 32,760,000 | 35,495,000 |
| Noninterest-bearing deposits | 12,818,000 | 15,084,000 | 14,998,000 | 15,270,000 |
| Equity capital | 4,355,000 | 4,617,000 | 4,676,000 | 4,622,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 611,000 | 1,300,000 | 1,909,000 | 2,492,000 |
| Interest expense | 59,000 | 114,000 | 169,000 | 224,000 |
| Net interest income | 552,000 | 1,186,000 | 1,740,000 | 2,268,000 |
| Noninterest income | 119,000 | 228,000 | 355,000 | 473,000 |
| Noninterest expense | 524,000 | 1,059,000 | 1,612,000 | 2,191,000 |
| Provision for loan losses | 25,000 | 35,000 | 50,000 | 50,000 |
| Pretax income | 122,000 | 320,000 | 433,000 | 500,000 |
| Income tax | 0 | 0 | 9,000 | 13,000 |
| Net income | 122,000 | 320,000 | 424,000 | 487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,411,000 | 4,564,000 | 4,628,000 | 4,566,000 |
| Total capital | 5,101,000 | 4,914,000 | 5,326,000 | 4,915,000 |
| Risk-weighted assets | 33,786,000 | 37,612,000 | 36,727,000 | 36,392,000 |