Call reports 2012
UNION STATE BANK — 2012
What UNION STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 82,788,000 | 80,226,000 | 81,839,000 | 83,338,000 |
| Total loans | 54,782,000 | 54,429,000 | 53,015,000 | 50,406,000 |
| Allowance for loan losses | 859,000 | 882,000 | 955,000 | 703,000 |
| Securities available for sale | 18,700,000 | 18,488,000 | 18,601,000 | 19,611,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,389,000 | 70,677,000 | 72,197,000 | 73,774,000 |
| Interest-bearing deposits | 62,373,000 | 60,448,000 | 60,736,000 | 62,014,000 |
| Noninterest-bearing deposits | 11,016,000 | 10,229,000 | 11,461,000 | 11,760,000 |
| Equity capital | 8,741,000 | 8,862,000 | 8,890,000 | 8,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 888,000 | 1,772,000 | 2,622,000 | 3,437,000 |
| Interest expense | 141,000 | 265,000 | 379,000 | 486,000 |
| Net interest income | 747,000 | 1,507,000 | 2,243,000 | 2,951,000 |
| Noninterest income | 481,000 | 903,000 | 1,328,000 | 1,666,000 |
| Noninterest expense | 974,000 | 1,958,000 | 2,913,000 | 3,860,000 |
| Provision for loan losses | 60,000 | 120,000 | 295,000 | 350,000 |
| Pretax income | 194,000 | 332,000 | 368,000 | 438,000 |
| Income tax | 51,000 | 82,000 | 88,000 | 108,000 |
| Net income | 143,000 | 250,000 | 280,000 | 330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,397,000 | 8,482,000 | 8,478,000 | 8,508,000 |
| Total capital | 9,065,000 | 9,153,000 | 9,145,000 | 9,178,000 |
| Risk-weighted assets | 53,238,000 | 53,465,000 | 53,082,000 | 53,527,000 |