Call reports 2005
UNION STATE BANK — 2005
What UNION STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 264,023,000 | 266,352,000 | 272,431,000 | 292,666,000 |
| Total loans | 149,770,000 | 161,271,000 | 178,534,000 | 185,523,000 |
| Allowance for loan losses | 1,992,000 | 2,499,000 | 2,502,000 | 2,592,000 |
| Securities available for sale | 54,477,000 | 48,286,000 | 44,022,000 | 42,660,000 |
| Securities held to maturity | 33,241,000 | 32,588,000 | 30,022,000 | 29,380,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,618,000 | 235,695,000 | 240,796,000 | 260,391,000 |
| Interest-bearing deposits | 183,703,000 | 185,341,000 | 184,683,000 | 203,447,000 |
| Noninterest-bearing deposits | 50,915,000 | 50,354,000 | 56,113,000 | 56,944,000 |
| Equity capital | 27,745,000 | 29,094,000 | 29,679,000 | 29,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,470,000 | 7,463,000 | 11,545,000 | 15,840,000 |
| Interest expense | 1,285,000 | 2,576,000 | 3,959,000 | 5,467,000 |
| Net interest income | 2,185,000 | 4,887,000 | 7,586,000 | 10,373,000 |
| Noninterest income | 547,000 | 1,132,000 | 1,722,000 | 2,253,000 |
| Noninterest expense | 1,922,000 | 3,947,000 | 6,068,000 | 8,528,000 |
| Provision for loan losses | 50,000 | -250,000 | -250,000 | -150,000 |
| Pretax income | 766,000 | 2,289,000 | 3,459,000 | 4,217,000 |
| Income tax | 222,000 | 742,000 | 1,103,000 | 1,438,000 |
| Net income | 544,000 | 1,547,000 | 2,356,000 | 2,779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,694,000 | 28,505,000 | 29,333,000 | 29,554,000 |
| Total capital | 29,686,000 | 30,727,000 | 31,696,000 | 32,014,000 |
| Risk-weighted assets | 170,292,000 | 177,517,000 | 188,909,000 | 196,701,000 |