Call reports 2007
UNION STATE BANK — 2007
What UNION STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 73,339,000 | 70,106,000 | 70,578,000 | 76,276,000 |
| Total loans | 49,286,000 | 49,377,000 | 49,635,000 | 50,357,000 |
| Allowance for loan losses | 479,000 | 485,000 | 490,000 | 474,000 |
| Securities available for sale | 14,772,000 | 14,241,000 | 14,535,000 | 14,774,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,235,000 | 62,043,000 | 62,011,000 | 67,806,000 |
| Interest-bearing deposits | 53,420,000 | 52,617,000 | 54,017,000 | 54,516,000 |
| Noninterest-bearing deposits | 11,815,000 | 9,426,000 | 7,994,000 | 13,290,000 |
| Equity capital | 7,338,000 | 7,277,000 | 7,463,000 | 7,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,095,000 | 2,173,000 | 3,278,000 | 4,399,000 |
| Interest expense | 433,000 | 874,000 | 1,312,000 | 1,748,000 |
| Net interest income | 662,000 | 1,299,000 | 1,966,000 | 2,651,000 |
| Noninterest income | 308,000 | 630,000 | 917,000 | 1,235,000 |
| Noninterest expense | 816,000 | 1,660,000 | 2,499,000 | 3,307,000 |
| Provision for loan losses | 9,000 | 18,000 | 18,000 | 27,000 |
| Pretax income | 145,000 | 251,000 | 366,000 | 552,000 |
| Income tax | 24,000 | 35,000 | 48,000 | 86,000 |
| Net income | 121,000 | 216,000 | 318,000 | 466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,300,000 | 7,345,000 | 7,399,000 | 7,499,000 |
| Total capital | 7,779,000 | 7,830,000 | 7,889,000 | 7,973,000 |
| Risk-weighted assets | 48,688,000 | 48,582,000 | 48,514,000 | 49,045,000 |