Call reports 2004
UNION BANK — 2004
What UNION 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 | 127,834,000 | 126,398,000 | 129,250,000 | 131,950,000 |
| Total loans | 72,488,000 | 75,065,000 | 75,594,000 | 77,278,000 |
| Allowance for loan losses | 921,000 | 955,000 | 1,007,000 | 1,049,000 |
| Securities available for sale | 37,808,000 | 39,938,000 | 38,435,000 | 41,184,000 |
| Securities held to maturity | 272,000 | 168,000 | 164,000 | 160,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,508,000 | 109,891,000 | 111,888,000 | 114,768,000 |
| Interest-bearing deposits | 93,981,000 | 92,390,000 | 94,075,000 | 97,079,000 |
| Noninterest-bearing deposits | 16,527,000 | 17,501,000 | 17,813,000 | 17,689,000 |
| Equity capital | 16,448,000 | 15,643,000 | 16,516,000 | 16,303,000 |
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 | 1,736,000 | 3,486,000 | 5,246,000 | 7,065,000 |
| Interest expense | 470,000 | 923,000 | 1,407,000 | 1,952,000 |
| Net interest income | 1,266,000 | 2,563,000 | 3,839,000 | 5,113,000 |
| Noninterest income | 250,000 | 489,000 | 744,000 | 1,009,000 |
| Noninterest expense | 879,000 | 1,779,000 | 2,639,000 | 3,674,000 |
| Provision for loan losses | 60,000 | 120,000 | 200,000 | 310,000 |
| Pretax income | 577,000 | 1,153,000 | 1,744,000 | 2,138,000 |
| Income tax | 166,000 | 359,000 | 555,000 | 674,000 |
| Net income | 411,000 | 794,000 | 1,189,000 | 1,464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,072,000 | 16,075,000 | 16,470,000 | 16,364,000 |
| Total capital | 16,993,000 | 17,030,000 | 17,453,000 | 17,373,000 |
| Risk-weighted assets | 76,284,000 | 78,200,000 | 78,576,000 | 80,667,000 |
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