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 | 66,231,000 | 68,942,000 | 68,994,000 | 68,859,000 |
| Total loans | 43,119,000 | 43,173,000 | 41,861,000 | 45,218,000 |
| Allowance for loan losses | 447,000 | 459,000 | 468,000 | 466,000 |
| Securities available for sale | 16,322,000 | 16,075,000 | 15,620,000 | 15,631,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,533,000 | 61,067,000 | 60,851,000 | 60,980,000 |
| Interest-bearing deposits | 49,421,000 | 50,030,000 | 49,208,000 | 50,693,000 |
| Noninterest-bearing deposits | 8,112,000 | 11,037,000 | 11,643,000 | 10,287,000 |
| Equity capital | 6,985,000 | 7,092,000 | 7,080,000 | 7,020,000 |
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 | 842,000 | 1,713,000 | 2,613,000 | 3,510,000 |
| Interest expense | 242,000 | 511,000 | 794,000 | 1,101,000 |
| Net interest income | 600,000 | 1,202,000 | 1,819,000 | 2,409,000 |
| Noninterest income | 426,000 | 757,000 | 1,070,000 | 1,357,000 |
| Noninterest expense | 791,000 | 1,608,000 | 2,477,000 | 3,273,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 40,000 |
| Pretax income | 223,000 | 350,000 | 399,000 | 476,000 |
| Income tax | 57,000 | 68,000 | 51,000 | 44,000 |
| Net income | 166,000 | 282,000 | 348,000 | 432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,890,000 | 6,959,000 | 6,976,000 | 7,011,000 |
| Total capital | 7,337,000 | 7,418,000 | 7,444,000 | 7,477,000 |
| Risk-weighted assets | 43,073,000 | 43,690,000 | 43,395,000 | 44,630,000 |