Call reports 2004
UNITED STATE BANK — 2004
What UNITED 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 | 61,127,000 | 60,852,000 | 61,861,000 | 62,391,000 |
| Total loans | 38,514,000 | 40,963,000 | 43,014,000 | 42,639,000 |
| Allowance for loan losses | 394,000 | 410,000 | 425,000 | 447,000 |
| Securities available for sale | 14,937,000 | 12,700,000 | 12,038,000 | 12,115,000 |
| Securities held to maturity | 728,000 | 649,000 | 616,000 | 615,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,099,000 | 50,556,000 | 51,878,000 | 52,250,000 |
| Interest-bearing deposits | 46,452,000 | 46,319,000 | 47,329,000 | 47,266,000 |
| Noninterest-bearing deposits | 4,647,000 | 4,237,000 | 4,549,000 | 4,984,000 |
| Equity capital | 5,983,000 | 5,708,000 | 6,104,000 | 6,220,000 |
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 | 792,000 | 1,610,000 | 2,455,000 | 3,339,000 |
| Interest expense | 252,000 | 504,000 | 755,000 | 1,015,000 |
| Net interest income | 540,000 | 1,106,000 | 1,700,000 | 2,324,000 |
| Noninterest income | 83,000 | 159,000 | 244,000 | 348,000 |
| Noninterest expense | 378,000 | 766,000 | 1,164,000 | 1,546,000 |
| Provision for loan losses | 6,000 | 24,000 | 63,000 | 102,000 |
| Pretax income | 239,000 | 475,000 | 717,000 | 1,028,000 |
| Income tax | 10,000 | 21,000 | 37,000 | 55,000 |
| Net income | 229,000 | 454,000 | 680,000 | 973,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,833,000 | 5,958,000 | 6,083,000 | 6,276,000 |
| Total capital | 6,227,000 | 6,368,000 | 6,508,000 | 6,723,000 |
| Risk-weighted assets | 41,370,000 | 43,323,000 | 46,038,000 | 45,916,000 |
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