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 | 18,181,000 | 17,600,000 | 17,610,000 | 17,730,000 |
| Total loans | 7,847,000 | 7,940,000 | 8,036,000 | 8,770,000 |
| Allowance for loan losses | 113,000 | 114,000 | 115,000 | 108,000 |
| Securities available for sale | 7,249,000 | 6,583,000 | 5,835,000 | 6,766,000 |
| Securities held to maturity | 1,432,000 | 1,431,000 | 1,431,000 | 1,334,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,007,000 | 14,538,000 | 14,410,000 | 14,544,000 |
| Interest-bearing deposits | 12,477,000 | 11,910,000 | 11,848,000 | 11,982,000 |
| Noninterest-bearing deposits | 2,530,000 | 2,628,000 | 2,562,000 | 2,562,000 |
| Equity capital | 3,105,000 | 3,013,000 | 3,127,000 | 3,143,000 |
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 | 225,000 | 448,000 | 676,000 | 904,000 |
| Interest expense | 64,000 | 124,000 | 185,000 | 247,000 |
| Net interest income | 161,000 | 324,000 | 491,000 | 657,000 |
| Noninterest income | 15,000 | 39,000 | 66,000 | 86,000 |
| Noninterest expense | 123,000 | 243,000 | 369,000 | 501,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 53,000 | 120,000 | 188,000 | 242,000 |
| Income tax | 2,000 | 5,000 | 7,000 | 10,000 |
| Net income | 51,000 | 115,000 | 181,000 | 232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,032,000 | 3,071,000 | 3,112,000 | 3,138,000 |
| Total capital | 3,145,000 | 3,185,000 | 3,227,000 | 3,246,000 |
| Risk-weighted assets | 9,391,000 | 9,435,000 | 9,488,000 | 10,021,000 |