Call reports 2004
UNION BUILDING AND LOAN SAVINGS BANK — 2004
What UNION BUILDING AND LOAN SAVINGS 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 | 37,279,000 | 36,778,000 | 35,248,000 | 34,079,000 |
| Total loans | 25,670,000 | 26,135,000 | 27,099,000 | 26,975,000 |
| Allowance for loan losses | 254,000 | 233,000 | 232,000 | 227,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,056,000 | 1,550,000 | 2,025,000 | 2,024,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,696,000 | 29,162,000 | 27,574,000 | 26,331,000 |
| Interest-bearing deposits | 29,038,000 | 28,223,000 | 26,648,000 | 25,507,000 |
| Noninterest-bearing deposits | 658,000 | 939,000 | 926,000 | 824,000 |
| Equity capital | 5,395,000 | 5,421,000 | 5,462,000 | 5,529,000 |
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 | 508,000 | 1,035,000 | 1,534,000 | 2,037,000 |
| Interest expense | 274,000 | 538,000 | 797,000 | 1,043,000 |
| Net interest income | 234,000 | 497,000 | 737,000 | 994,000 |
| Noninterest income | 15,000 | 29,000 | 44,000 | 63,000 |
| Noninterest expense | 206,000 | 429,000 | 647,000 | 850,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 43,000 | 97,000 | 134,000 | 207,000 |
| Income tax | 29,000 | 57,000 | 53,000 | 59,000 |
| Net income | 14,000 | 40,000 | 81,000 | 148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,395,000 | 5,421,000 | 5,462,000 | 5,529,000 |
| Total capital | 5,649,000 | 5,654,000 | 5,694,000 | 5,756,000 |
| Risk-weighted assets | 19,866,000 | 20,263,000 | 20,071,000 | 20,209,000 |
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