Call reports 2004
UNION COUNTY SAVINGS BANK — 2004
What UNION COUNTY 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 | 1,039,252,000 | 1,037,152,000 | 1,054,123,000 | 1,053,777,000 |
| Total loans | 68,080,000 | 74,434,000 | 81,187,000 | 84,106,000 |
| Allowance for loan losses | 594,000 | 594,000 | 594,000 | 629,000 |
| Securities available for sale | 68,921,000 | 66,546,000 | 68,498,000 | 69,464,000 |
| Securities held to maturity | 826,000,000 | 852,643,000 | 848,138,000 | 837,916,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 861,100,000 | 863,250,000 | 875,330,000 | 871,135,000 |
| Interest-bearing deposits | 838,577,000 | 841,874,000 | 854,868,000 | 848,122,000 |
| Noninterest-bearing deposits | 22,523,000 | 21,376,000 | 20,462,000 | 23,013,000 |
| Equity capital | 169,028,000 | 168,906,000 | 172,835,000 | 176,176,000 |
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 | 11,460,000 | 23,171,000 | 34,606,000 | 46,252,000 |
| Interest expense | 5,392,000 | 10,783,000 | 16,227,000 | 21,692,000 |
| Net interest income | 6,068,000 | 12,388,000 | 18,379,000 | 24,560,000 |
| Noninterest income | 46,000 | 87,000 | 179,000 | 221,000 |
| Noninterest expense | 1,202,000 | 2,507,000 | 3,848,000 | 5,352,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 5,028,000 | 10,429,000 | 15,225,000 | 20,153,000 |
| Income tax | 1,550,000 | 3,350,000 | 5,182,000 | 6,755,000 |
| Net income | 3,478,000 | 7,079,000 | 10,043,000 | 13,398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 166,025,000 | 168,906,000 | 172,590,000 | 175,945,000 |
| Total capital | 166,619,000 | 169,500,000 | 173,371,000 | 176,574,000 |
| Risk-weighted assets | 327,406,000 | 329,734,000 | 337,393,000 | 336,779,000 |
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