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 | 157,523,000 | 160,076,000 | 159,556,000 | 164,490,000 |
| Total loans | 121,661,000 | 126,325,000 | 130,494,000 | 135,421,000 |
| Allowance for loan losses | 1,923,000 | 1,959,000 | 1,993,000 | 2,059,000 |
| Securities available for sale | 18,969,000 | 15,356,000 | 17,852,000 | 15,641,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,885,000 | 126,151,000 | 124,279,000 | 126,152,000 |
| Interest-bearing deposits | 108,928,000 | 108,697,000 | 105,943,000 | 106,933,000 |
| Noninterest-bearing deposits | 15,957,000 | 17,454,000 | 18,336,000 | 19,219,000 |
| Equity capital | 13,782,000 | 13,730,000 | 14,282,000 | 14,313,000 |
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 | 2,332,000 | 4,651,000 | 7,060,000 | 9,557,000 |
| Interest expense | 708,000 | 1,408,000 | 2,140,000 | 2,850,000 |
| Net interest income | 1,624,000 | 3,243,000 | 4,920,000 | 6,707,000 |
| Noninterest income | 297,000 | 608,000 | 878,000 | 1,167,000 |
| Noninterest expense | 1,152,000 | 2,343,000 | 3,487,000 | 4,601,000 |
| Provision for loan losses | 36,000 | 72,000 | 108,000 | 174,000 |
| Pretax income | 733,000 | 1,436,000 | 2,203,000 | 3,099,000 |
| Income tax | 239,000 | 466,000 | 715,000 | 1,007,000 |
| Net income | 494,000 | 970,000 | 1,488,000 | 2,092,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,525,000 | 12,627,000 | 13,192,000 | 13,277,000 |
| Total capital | 14,214,000 | 14,344,000 | 14,934,000 | 15,080,000 |
| Risk-weighted assets | 134,873,000 | 137,142,000 | 139,078,000 | 144,002,000 |
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