Call reports 2014
UNION STATE BANK — 2014
What UNION STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 85,685,000 | 88,062,000 | 86,908,000 | 91,147,000 |
| Total loans | 49,493,000 | 49,354,000 | 48,097,000 | 48,902,000 |
| Allowance for loan losses | 657,000 | 679,000 | 622,000 | 675,000 |
| Securities available for sale | 24,215,000 | 27,035,000 | 26,843,000 | 27,269,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,803,000 | 79,025,000 | 77,845,000 | 82,073,000 |
| Interest-bearing deposits | 66,068,000 | 65,071,000 | 62,612,000 | 64,856,000 |
| Noninterest-bearing deposits | 10,735,000 | 13,954,000 | 15,233,000 | 17,217,000 |
| Equity capital | 8,506,000 | 8,619,000 | 8,631,000 | 8,694,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 756,000 | 1,527,000 | 2,291,000 | 3,044,000 |
| Interest expense | 75,000 | 146,000 | 215,000 | 281,000 |
| Net interest income | 681,000 | 1,381,000 | 2,076,000 | 2,763,000 |
| Noninterest income | 302,000 | 593,000 | 870,000 | 1,149,000 |
| Noninterest expense | 975,000 | 1,942,000 | 2,894,000 | 3,813,000 |
| Provision for loan losses | 10,000 | 30,000 | 85,000 | 140,000 |
| Pretax income | -2,000 | 27,000 | 46,000 | 64,000 |
| Income tax | -10,000 | -11,000 | -20,000 | -30,000 |
| Net income | 8,000 | 38,000 | 66,000 | 94,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,560,000 | 8,595,000 | 8,629,000 | 8,636,000 |
| Total capital | 9,215,000 | 9,258,000 | 9,255,000 | 9,295,000 |
| Risk-weighted assets | 52,416,000 | 53,041,000 | 51,323,000 | 52,727,000 |