Call reports 2007
UNION STATE BANK — 2007
What UNION STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 382,378,000 | 371,815,000 | 344,744,000 | 338,120,000 |
| Total loans | 206,968,000 | 210,183,000 | 217,357,000 | 217,715,000 |
| Allowance for loan losses | 2,490,000 | 2,478,000 | 2,993,000 | 4,416,000 |
| Securities available for sale | 46,329,000 | 48,824,000 | 54,505,000 | 51,546,000 |
| Securities held to maturity | 26,180,000 | 26,216,000 | 26,364,000 | 24,861,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 345,391,000 | 334,612,000 | 306,241,000 | 301,159,000 |
| Interest-bearing deposits | 295,726,000 | 287,103,000 | 258,198,000 | 256,044,000 |
| Noninterest-bearing deposits | 49,665,000 | 47,509,000 | 48,043,000 | 45,115,000 |
| Equity capital | 33,306,000 | 33,470,000 | 34,386,000 | 33,536,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,980,000 | 12,249,000 | 18,410,000 | 23,889,000 |
| Interest expense | 2,886,000 | 5,916,000 | 8,758,000 | 11,340,000 |
| Net interest income | 3,094,000 | 6,333,000 | 9,652,000 | 12,549,000 |
| Noninterest income | 820,000 | 1,802,000 | 3,056,000 | 4,081,000 |
| Noninterest expense | 2,885,000 | 5,667,000 | 8,643,000 | 11,517,000 |
| Provision for loan losses | 0 | 50,000 | 550,000 | 2,800,000 |
| Pretax income | 1,029,000 | 2,418,000 | 3,515,000 | 1,729,000 |
| Income tax | 284,000 | 732,000 | 1,062,000 | 319,000 |
| Net income | 745,000 | 1,686,000 | 2,453,000 | 1,410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,045,000 | 33,653,000 | 34,137,000 | 32,923,000 |
| Total capital | 35,535,000 | 36,131,000 | 37,130,000 | 35,962,000 |
| Risk-weighted assets | 240,831,000 | 245,056,000 | 244,924,000 | 241,729,000 |