Call reports 2004
UNION STATE BANK — 2004
What UNION STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 42,245,000 | 42,596,000 | 43,063,000 | 42,996,000 |
| Total loans | 25,016,000 | 25,542,000 | 25,452,000 | 25,299,000 |
| Allowance for loan losses | 275,000 | 287,000 | 304,000 | 265,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 13,783,000 | 13,541,000 | 14,528,000 | 15,809,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,240,000 | 34,535,000 | 34,800,000 | 34,783,000 |
| Interest-bearing deposits | 31,851,000 | 32,660,000 | 33,013,000 | 32,503,000 |
| Noninterest-bearing deposits | 2,389,000 | 1,875,000 | 1,787,000 | 2,280,000 |
| Equity capital | 5,099,000 | 5,220,000 | 5,320,000 | 5,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 608,000 | 1,237,000 | 1,855,000 | 2,493,000 |
| Interest expense | 213,000 | 406,000 | 605,000 | 784,000 |
| Net interest income | 395,000 | 831,000 | 1,250,000 | 1,709,000 |
| Noninterest income | 33,000 | 68,000 | 103,000 | 137,000 |
| Noninterest expense | 240,000 | 465,000 | 711,000 | 1,039,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 188,000 | 434,000 | 642,000 | 807,000 |
| Income tax | 55,000 | 131,000 | 189,000 | 232,000 |
| Net income | 133,000 | 303,000 | 453,000 | 575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,099,000 | 5,220,000 | 5,320,000 | 5,280,000 |
| Total capital | 5,374,000 | 5,507,000 | 5,624,000 | 5,545,000 |
| Risk-weighted assets | 26,624,000 | 27,653,000 | 27,322,000 | 27,220,000 |
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