Call reports 2005
UNION STATE BANK — 2005
What UNION STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 75,052,000 | 71,839,000 | 74,754,000 | 74,103,000 |
| Total loans | 51,363,000 | 52,564,000 | 56,192,000 | 55,585,000 |
| Allowance for loan losses | 474,000 | 508,000 | 586,000 | 575,000 |
| Securities available for sale | 12,166,000 | 12,295,000 | 12,089,000 | 11,617,000 |
| Securities held to maturity | 1,893,000 | 2,004,000 | 1,588,000 | 1,576,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,829,000 | 54,045,000 | 55,529,000 | 57,844,000 |
| Interest-bearing deposits | 52,873,000 | 47,335,000 | 49,001,000 | 49,794,000 |
| Noninterest-bearing deposits | 7,956,000 | 6,710,000 | 6,528,000 | 8,050,000 |
| Equity capital | 6,664,000 | 6,947,000 | 6,884,000 | 7,001,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 964,000 | 1,995,000 | 3,054,000 | 4,128,000 |
| Interest expense | 392,000 | 820,000 | 1,298,000 | 1,795,000 |
| Net interest income | 572,000 | 1,175,000 | 1,756,000 | 2,333,000 |
| Noninterest income | 35,000 | 77,000 | 118,000 | 178,000 |
| Noninterest expense | 400,000 | 757,000 | 1,027,000 | 1,256,000 |
| Provision for loan losses | 10,000 | 41,000 | 122,000 | 122,000 |
| Pretax income | 197,000 | 454,000 | 725,000 | 1,133,000 |
| Income tax | 10,000 | 23,000 | 35,000 | 56,000 |
| Net income | 187,000 | 431,000 | 690,000 | 1,077,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,894,000 | 6,987,000 | 7,048,000 | 7,229,000 |
| Total capital | 7,368,000 | 7,495,000 | 7,634,000 | 7,804,000 |
| Risk-weighted assets | 49,772,000 | 50,370,000 | 53,031,000 | 51,661,000 |