Call reports 2006
UNION STATE BANK — 2006
What UNION STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 68,067,000 | 69,855,000 | 70,756,000 | 72,933,000 |
| Total loans | 46,221,000 | 48,361,000 | 49,733,000 | 49,318,000 |
| Allowance for loan losses | 472,000 | 477,000 | 489,000 | 486,000 |
| Securities available for sale | 15,181,000 | 14,733,000 | 14,464,000 | 14,639,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,300,000 | 61,132,000 | 60,997,000 | 64,845,000 |
| Interest-bearing deposits | 51,381,000 | 51,710,000 | 51,148,000 | 53,275,000 |
| Noninterest-bearing deposits | 8,919,000 | 9,422,000 | 9,849,000 | 11,570,000 |
| Equity capital | 7,050,000 | 7,008,000 | 7,132,000 | 7,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 934,000 | 1,918,000 | 2,957,000 | 4,005,000 |
| Interest expense | 341,000 | 724,000 | 1,142,000 | 1,569,000 |
| Net interest income | 593,000 | 1,194,000 | 1,815,000 | 2,436,000 |
| Noninterest income | 348,000 | 694,000 | 1,029,000 | 1,333,000 |
| Noninterest expense | 831,000 | 1,688,000 | 2,569,000 | 3,362,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 101,000 | 182,000 | 248,000 | 371,000 |
| Income tax | 8,000 | 8,000 | 1,000 | 15,000 |
| Net income | 93,000 | 174,000 | 247,000 | 356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,056,000 | 7,089,000 | 7,117,000 | 7,227,000 |
| Total capital | 7,528,000 | 7,566,000 | 7,606,000 | 7,713,000 |
| Risk-weighted assets | 45,321,000 | 47,237,000 | 48,089,000 | 48,148,000 |