Call reports 2006
UNION STATE BANK — 2006
What UNION STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 302,480,000 | 320,760,000 | 329,445,000 | 351,393,000 |
| Total loans | 187,015,000 | 206,118,000 | 212,739,000 | 211,537,000 |
| Allowance for loan losses | 2,655,000 | 2,727,000 | 2,573,000 | 2,784,000 |
| Securities available for sale | 42,093,000 | 40,892,000 | 41,177,000 | 38,873,000 |
| Securities held to maturity | 29,029,000 | 28,669,000 | 28,384,000 | 27,858,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,535,000 | 287,780,000 | 294,816,000 | 315,021,000 |
| Interest-bearing deposits | 214,366,000 | 233,880,000 | 239,968,000 | 267,128,000 |
| Noninterest-bearing deposits | 55,169,000 | 53,900,000 | 54,848,000 | 47,893,000 |
| Equity capital | 30,464,000 | 30,853,000 | 31,894,000 | 32,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,585,000 | 9,648,000 | 15,176,000 | 20,895,000 |
| Interest expense | 1,685,000 | 3,579,000 | 5,765,000 | 8,214,000 |
| Net interest income | 2,900,000 | 6,069,000 | 9,411,000 | 12,681,000 |
| Noninterest income | 802,000 | 1,659,000 | 2,753,000 | 3,655,000 |
| Noninterest expense | 2,430,000 | 4,979,000 | 7,856,000 | 10,679,000 |
| Provision for loan losses | 75,000 | 175,000 | 325,000 | 725,000 |
| Pretax income | 1,197,000 | 2,574,000 | 3,983,000 | 4,938,000 |
| Income tax | 341,000 | 773,000 | 1,251,000 | 1,510,000 |
| Net income | 856,000 | 1,801,000 | 2,732,000 | 3,428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,510,000 | 31,287,000 | 31,758,000 | 32,259,000 |
| Total capital | 33,061,000 | 34,008,000 | 34,331,000 | 35,043,000 |
| Risk-weighted assets | 203,945,000 | 217,710,000 | 231,117,000 | 238,323,000 |