Call reports 2004
UNION SAFE DEPOSIT BANK — 2004
What UNION SAFE DEPOSIT 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 | 1,127,377,000 | 1,128,199,000 | 1,182,298,000 | 1,381,522,000 |
| Total loans | 647,859,000 | 663,245,000 | 685,240,000 | 630,301,000 |
| Allowance for loan losses | 8,149,000 | 8,442,000 | 9,125,000 | 7,101,000 |
| Securities available for sale | 318,036,000 | 309,315,000 | 329,366,000 | 361,053,000 |
| Securities held to maturity | 56,786,000 | 45,853,000 | 42,130,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 844,593,000 | 851,109,000 | 888,717,000 | 913,705,000 |
| Interest-bearing deposits | 652,447,000 | 652,962,000 | 675,811,000 | 696,191,000 |
| Noninterest-bearing deposits | 192,146,000 | 198,147,000 | 212,906,000 | 217,514,000 |
| Equity capital | 97,051,000 | 93,360,000 | 97,353,000 | 280,020,000 |
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 | 13,987,000 | 27,479,000 | 41,524,000 | 9,556,000 |
| Interest expense | 3,721,000 | 7,218,000 | 11,106,000 | 2,032,000 |
| Net interest income | 10,266,000 | 20,261,000 | 30,418,000 | 7,524,000 |
| Noninterest income | 4,062,000 | 8,430,000 | 12,880,000 | 2,824,000 |
| Noninterest expense | 10,237,000 | 19,790,000 | 29,699,000 | 6,843,000 |
| Provision for loan losses | 307,000 | 613,000 | 1,120,000 | 204,000 |
| Pretax income | 4,415,000 | 9,084,000 | 13,411,000 | 3,123,000 |
| Income tax | 1,325,000 | 2,772,000 | 4,113,000 | 1,119,000 |
| Net income | 3,090,000 | 6,312,000 | 9,298,000 | 2,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,898,000 | 93,405,000 | 94,666,000 | 96,890,000 |
| Total capital | 101,047,000 | 101,847,000 | 103,791,000 | 103,991,000 |
| Risk-weighted assets | 841,806,000 | 874,417,000 | 892,483,000 | 879,371,000 |
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