Call reports 2009
UNION STATE BANK — 2009
What UNION STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 81,114,000 | 79,450,000 | 76,321,000 | 79,522,000 |
| Total loans | 54,967,000 | 54,070,000 | 54,107,000 | 53,715,000 |
| Allowance for loan losses | 559,000 | 463,000 | 602,000 | 525,000 |
| Securities available for sale | 15,713,000 | 15,299,000 | 13,989,000 | 14,132,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,035,000 | 70,354,000 | 67,306,000 | 70,329,000 |
| Interest-bearing deposits | 57,113,000 | 58,584,000 | 58,020,000 | 60,098,000 |
| Noninterest-bearing deposits | 14,922,000 | 11,770,000 | 9,286,000 | 10,231,000 |
| Equity capital | 8,135,000 | 8,115,000 | 8,162,000 | 8,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,029,000 | 2,053,000 | 3,075,000 | 4,067,000 |
| Interest expense | 315,000 | 626,000 | 928,000 | 1,212,000 |
| Net interest income | 714,000 | 1,427,000 | 2,147,000 | 2,855,000 |
| Noninterest income | 451,000 | 871,000 | 1,186,000 | 1,564,000 |
| Noninterest expense | 952,000 | 1,989,000 | 2,941,000 | 3,880,000 |
| Provision for loan losses | 70,000 | 130,000 | 272,000 | 357,000 |
| Pretax income | 143,000 | 179,000 | 120,000 | 182,000 |
| Income tax | 33,000 | 29,000 | -8,000 | -3,000 |
| Net income | 110,000 | 150,000 | 128,000 | 185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,648,000 | 7,704,000 | 7,647,000 | 7,703,000 |
| Total capital | 8,207,000 | 8,167,000 | 8,249,000 | 8,228,000 |
| Risk-weighted assets | 54,278,000 | 53,694,000 | 52,593,000 | 53,904,000 |