Call reports 2013
UNION STATE BANK — 2013
What UNION STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 82,943,000 | 83,523,000 | 81,581,000 | 84,158,000 |
| Total loans | 47,483,000 | 44,787,000 | 45,521,000 | 47,936,000 |
| Allowance for loan losses | 722,000 | 639,000 | 658,000 | 645,000 |
| Securities available for sale | 20,886,000 | 22,712,000 | 24,703,000 | 25,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,470,000 | 74,432,000 | 72,786,000 | 75,450,000 |
| Interest-bearing deposits | 62,772,000 | 62,957,000 | 62,466,000 | 63,844,000 |
| Noninterest-bearing deposits | 10,698,000 | 11,475,000 | 10,320,000 | 11,606,000 |
| Equity capital | 8,875,000 | 8,576,000 | 8,430,000 | 8,390,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 779,000 | 1,537,000 | 2,281,000 | 3,029,000 |
| Interest expense | 97,000 | 189,000 | 278,000 | 359,000 |
| Net interest income | 682,000 | 1,348,000 | 2,003,000 | 2,670,000 |
| Noninterest income | 401,000 | 711,000 | 1,090,000 | 1,394,000 |
| Noninterest expense | 989,000 | 1,994,000 | 2,968,000 | 3,940,000 |
| Provision for loan losses | 65,000 | 115,000 | 130,000 | 145,000 |
| Pretax income | 29,000 | -4,000 | 41,000 | 25,000 |
| Income tax | 4,000 | -26,000 | -31,000 | -62,000 |
| Net income | 25,000 | 22,000 | 72,000 | 87,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,524,000 | 8,512,000 | 8,566,000 | 8,561,000 |
| Total capital | 9,161,000 | 9,128,000 | 9,184,000 | 9,202,000 |
| Risk-weighted assets | 50,850,000 | 49,249,000 | 49,434,000 | 51,280,000 |