Call reports 2004
UNION BANK COMPANY, THE — 2004
What UNION BANK COMPANY, 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 | 493,490,000 | 554,468,000 | 538,618,000 | 558,136,000 |
| Total loans | 295,577,000 | 297,542,000 | 303,453,000 | 306,590,000 |
| Allowance for loan losses | 2,678,000 | 2,506,000 | 2,595,000 | 2,757,000 |
| Securities available for sale | 162,962,000 | 222,636,000 | 200,498,000 | 213,564,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 392,163,000 | 376,242,000 | 369,163,000 | 370,334,000 |
| Interest-bearing deposits | 359,386,000 | 342,794,000 | 335,161,000 | 332,577,000 |
| Noninterest-bearing deposits | 32,777,000 | 33,448,000 | 34,002,000 | 37,757,000 |
| Equity capital | 50,215,000 | 47,453,000 | 52,028,000 | 52,179,000 |
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 | 6,204,000 | 12,555,000 | 19,638,000 | 26,985,000 |
| Interest expense | 2,391,000 | 4,569,000 | 7,092,000 | 9,693,000 |
| Net interest income | 3,813,000 | 7,986,000 | 12,546,000 | 17,292,000 |
| Noninterest income | 664,000 | 1,210,000 | 1,840,000 | 2,472,000 |
| Noninterest expense | 3,327,000 | 6,853,000 | 10,404,000 | 14,536,000 |
| Provision for loan losses | 75,000 | 225,000 | 275,000 | 577,000 |
| Pretax income | 1,281,000 | 2,403,000 | 4,133,000 | 5,201,000 |
| Income tax | 259,000 | 437,000 | 904,000 | 1,077,000 |
| Net income | 1,022,000 | 1,966,000 | 3,229,000 | 4,124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,265,000 | 40,292,000 | 41,638,000 | 42,618,000 |
| Total capital | 41,942,000 | 42,798,000 | 44,233,000 | 45,375,000 |
| Risk-weighted assets | 313,039,000 | 325,873,000 | 328,640,000 | 332,660,000 |
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