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 | 123,242,000 | 120,471,000 | 120,710,000 | 127,067,000 |
| Total loans | 47,685,000 | 48,160,000 | 47,592,000 | 48,362,000 |
| Allowance for loan losses | 911,000 | 764,000 | 809,000 | 952,000 |
| Securities available for sale | 67,815,000 | 63,848,000 | 66,981,000 | 72,236,000 |
| Securities held to maturity | 3,475,000 | 2,877,000 | 2,475,000 | 2,154,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,126,000 | 71,183,000 | 68,582,000 | 69,787,000 |
| Interest-bearing deposits | 66,558,000 | 65,875,000 | 62,682,000 | 63,111,000 |
| Noninterest-bearing deposits | 5,568,000 | 5,308,000 | 5,900,000 | 6,676,000 |
| Equity capital | 13,185,000 | 12,304,000 | 13,097,000 | 12,873,000 |
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 | 1,584,000 | 3,114,000 | 4,665,000 | 6,232,000 |
| Interest expense | 631,000 | 1,243,000 | 1,887,000 | 2,563,000 |
| Net interest income | 953,000 | 1,871,000 | 2,778,000 | 3,669,000 |
| Noninterest income | 68,000 | 145,000 | 219,000 | 286,000 |
| Noninterest expense | 547,000 | 1,105,000 | 1,654,000 | 2,297,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 220,000 |
| Pretax income | 474,000 | 881,000 | 1,284,000 | 1,469,000 |
| Income tax | 158,000 | 290,000 | 420,000 | 471,000 |
| Net income | 316,000 | 591,000 | 864,000 | 998,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,582,000 | 12,677,000 | 12,794,000 | 12,771,000 |
| Total capital | 13,300,000 | 13,433,000 | 13,490,000 | 13,493,000 |
| Risk-weighted assets | 57,439,000 | 60,436,000 | 55,598,000 | 56,825,000 |