Call reports 2004
UNION BANK, THE — 2004
What UNION BANK, THE 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 | 146,858,000 | 146,594,000 | 159,702,000 | 160,328,000 |
| Total loans | 94,813,000 | 101,486,000 | 115,756,000 | 117,902,000 |
| Allowance for loan losses | 246,000 | 299,000 | 324,000 | 325,000 |
| Securities available for sale | 30,002,000 | 24,897,000 | 22,093,000 | 19,905,000 |
| Securities held to maturity | 1,673,000 | 1,653,000 | 1,633,000 | 1,548,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,536,000 | 121,135,000 | 123,390,000 | 125,880,000 |
| Interest-bearing deposits | 99,310,000 | 98,924,000 | 101,133,000 | 103,742,000 |
| Noninterest-bearing deposits | 24,226,000 | 22,211,000 | 22,257,000 | 22,138,000 |
| Equity capital | 12,269,000 | 12,143,000 | 13,100,000 | 13,428,000 |
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 | 2,141,000 | 4,298,000 | 6,967,000 | 9,512,000 |
| Interest expense | 603,000 | 1,200,000 | 1,829,000 | 2,523,000 |
| Net interest income | 1,538,000 | 3,098,000 | 5,138,000 | 6,989,000 |
| Noninterest income | 360,000 | 816,000 | 1,084,000 | 1,562,000 |
| Noninterest expense | 1,444,000 | 2,857,000 | 4,332,000 | 5,925,000 |
| Provision for loan losses | 40,000 | 100,000 | 160,000 | 200,000 |
| Pretax income | 414,000 | 957,000 | 1,730,000 | 2,426,000 |
| Income tax | 75,000 | 200,000 | 375,000 | 590,000 |
| Net income | 339,000 | 757,000 | 1,355,000 | 1,836,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,046,000 | 12,463,000 | 13,059,000 | 13,400,000 |
| Total capital | 12,293,000 | 12,762,000 | 13,383,000 | 13,725,000 |
| Risk-weighted assets | 112,706,000 | 118,661,000 | 132,591,000 | 135,222,000 |
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