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 | 71,699,000 | 73,258,000 | 73,140,000 | 73,916,000 |
| Total loans | 49,075,000 | 51,917,000 | 49,248,000 | 49,637,000 |
| Allowance for loan losses | 630,000 | 661,000 | 662,000 | 690,000 |
| Securities available for sale | 14,743,000 | 14,424,000 | 14,493,000 | 14,506,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,774,000 | 60,799,000 | 63,195,000 | 63,878,000 |
| Interest-bearing deposits | 50,975,000 | 51,498,000 | 53,327,000 | 53,823,000 |
| Noninterest-bearing deposits | 10,799,000 | 9,301,000 | 9,868,000 | 10,056,000 |
| Equity capital | 7,713,000 | 7,371,000 | 7,641,000 | 7,653,000 |
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 | 893,000 | 1,815,000 | 2,736,000 | 3,704,000 |
| Interest expense | 276,000 | 553,000 | 846,000 | 1,157,000 |
| Net interest income | 617,000 | 1,262,000 | 1,890,000 | 2,547,000 |
| Noninterest income | 190,000 | 403,000 | 609,000 | 780,000 |
| Noninterest expense | 566,000 | 1,126,000 | 1,709,000 | 2,278,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 212,000 | 480,000 | 701,000 | 930,000 |
| Income tax | 7,000 | 16,000 | 24,000 | 33,000 |
| Net income | 205,000 | 464,000 | 677,000 | 897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,840,000 | 6,828,000 | 6,965,000 | 7,016,000 |
| Total capital | 7,461,000 | 7,481,000 | 7,593,000 | 7,663,000 |
| Risk-weighted assets | 49,726,000 | 52,270,000 | 50,216,000 | 51,689,000 |
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