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 | 47,469,000 | 46,440,000 | 48,057,000 | 48,207,000 |
| Total loans | 21,163,000 | 20,828,000 | 20,830,000 | 21,710,000 |
| Allowance for loan losses | 368,000 | 350,000 | 342,000 | 348,000 |
| Securities available for sale | 17,524,000 | 19,338,000 | 19,918,000 | 19,237,000 |
| Securities held to maturity | 1,236,000 | 1,475,000 | 1,456,000 | 1,286,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,366,000 | 40,059,000 | 41,040,000 | 41,212,000 |
| Interest-bearing deposits | 35,149,000 | 34,695,000 | 35,204,000 | 35,239,000 |
| Noninterest-bearing deposits | 5,217,000 | 5,364,000 | 5,836,000 | 5,973,000 |
| Equity capital | 6,449,000 | 6,056,000 | 6,519,000 | 6,447,000 |
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 | 657,000 | 1,310,000 | 1,964,000 | 2,622,000 |
| Interest expense | 186,000 | 377,000 | 565,000 | 754,000 |
| Net interest income | 471,000 | 933,000 | 1,399,000 | 1,868,000 |
| Noninterest income | 53,000 | 96,000 | 155,000 | 197,000 |
| Noninterest expense | 380,000 | 775,000 | 1,181,000 | 1,605,000 |
| Provision for loan losses | 20,000 | 39,000 | 59,000 | 78,000 |
| Pretax income | 144,000 | 235,000 | 372,000 | 439,000 |
| Income tax | 15,000 | 30,000 | 30,000 | 30,000 |
| Net income | 129,000 | 205,000 | 342,000 | 409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,950,000 | 6,011,000 | 6,148,000 | 6,155,000 |
| Total capital | 6,290,000 | 6,352,000 | 6,490,000 | 6,503,000 |
| Risk-weighted assets | 27,176,000 | 27,254,000 | 27,745,000 | 28,388,000 |