Call reports 2010
UNION STATE BANK — 2010
What UNION STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 80,157,000 | 81,035,000 | 83,441,000 | 83,046,000 |
| Total loans | 52,256,000 | 52,485,000 | 52,186,000 | 52,611,000 |
| Allowance for loan losses | 588,000 | 556,000 | 601,000 | 677,000 |
| Securities available for sale | 15,228,000 | 15,269,000 | 16,843,000 | 18,635,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,043,000 | 71,928,000 | 73,905,000 | 73,638,000 |
| Interest-bearing deposits | 60,737,000 | 61,500,000 | 61,442,000 | 62,990,000 |
| Noninterest-bearing deposits | 10,306,000 | 10,428,000 | 12,463,000 | 10,648,000 |
| Equity capital | 8,251,000 | 8,243,000 | 8,304,000 | 8,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 970,000 | 1,933,000 | 2,907,000 | 3,880,000 |
| Interest expense | 265,000 | 518,000 | 760,000 | 985,000 |
| Net interest income | 705,000 | 1,415,000 | 2,147,000 | 2,895,000 |
| Noninterest income | 378,000 | 667,000 | 1,004,000 | 1,344,000 |
| Noninterest expense | 949,000 | 1,887,000 | 2,805,000 | 3,773,000 |
| Provision for loan losses | 82,000 | 133,000 | 197,000 | 347,000 |
| Pretax income | 52,000 | 116,000 | 281,000 | 251,000 |
| Income tax | -7,000 | 5,000 | 52,000 | 30,000 |
| Net income | 59,000 | 111,000 | 229,000 | 347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,763,000 | 7,807,000 | 7,913,000 | 8,026,000 |
| Total capital | 8,351,000 | 8,363,000 | 8,514,000 | 8,703,000 |
| Risk-weighted assets | 53,836,000 | 54,288,000 | 54,993,000 | 54,342,000 |