Call reports 2015
UNION STATE BANK — 2015
What UNION STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Total assets | 86,803,000 | 85,761,000 | 81,924,000 |
| Total loans | 47,896,000 | 49,658,000 | 48,524,000 |
| Allowance for loan losses | 628,000 | 646,000 | 654,000 |
| Securities available for sale | 27,546,000 | 25,903,000 | 23,361,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 77,423,000 | 74,611,000 | 72,493,000 |
| Interest-bearing deposits | 61,056,000 | 58,179,000 | 57,079,000 |
| Noninterest-bearing deposits | 16,367,000 | 16,432,000 | 15,414,000 |
| Equity capital | 8,906,000 | 8,789,000 | 8,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Interest income | 750,000 | 1,509,000 | 2,242,000 |
| Interest expense | 60,000 | 120,000 | 178,000 |
| Net interest income | 690,000 | 1,389,000 | 2,064,000 |
| Noninterest income | 346,000 | 665,000 | 937,000 |
| Noninterest expense | 930,000 | 1,841,000 | 2,782,000 |
| Provision for loan losses | 16,000 | 43,000 | 50,000 |
| Pretax income | 90,000 | 170,000 | 169,000 |
| Income tax | 18,000 | 32,000 | 14,000 |
| Net income | 72,000 | 138,000 | 155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Tier 1 capital | 8,753,000 | 8,809,000 | 8,803,000 |
| Total capital | 9,377,000 | 9,435,000 | 9,408,000 |
| Risk-weighted assets | 49,959,000 | 50,016,000 | 48,311,000 |