Call reports 2004
UNISON BANK — 2004
What UNISON 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 | 125,614,000 | 128,423,000 | 120,206,000 | 127,033,000 |
| Total loans | 84,465,000 | 91,309,000 | 90,463,000 | 89,608,000 |
| Allowance for loan losses | 1,386,000 | 1,426,000 | 1,470,000 | 1,519,000 |
| Securities available for sale | 32,811,000 | 27,579,000 | 21,313,000 | 27,084,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,104,000 | 108,197,000 | 101,745,000 | 108,660,000 |
| Interest-bearing deposits | 89,101,000 | 91,473,000 | 86,443,000 | 87,535,000 |
| Noninterest-bearing deposits | 19,003,000 | 16,724,000 | 15,302,000 | 21,125,000 |
| Equity capital | 15,296,000 | 14,992,000 | 15,573,000 | 15,159,000 |
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 | 1,576,000 | 3,204,000 | 4,790,000 | 6,402,000 |
| Interest expense | 434,000 | 853,000 | 1,262,000 | 1,660,000 |
| Net interest income | 1,142,000 | 2,351,000 | 3,528,000 | 4,742,000 |
| Noninterest income | 155,000 | 240,000 | 349,000 | 458,000 |
| Noninterest expense | 751,000 | 1,585,000 | 2,339,000 | 3,099,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 260,000 |
| Pretax income | 486,000 | 886,000 | 1,408,000 | 1,891,000 |
| Income tax | 194,000 | 348,000 | 549,000 | 738,000 |
| Net income | 292,000 | 538,000 | 859,000 | 1,153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,726,000 | 11,009,000 | 11,293,000 | 10,999,000 |
| Total capital | 11,852,000 | 12,199,000 | 12,467,000 | 12,191,000 |
| Risk-weighted assets | 89,848,000 | 94,984,000 | 93,618,000 | 95,009,000 |