Call reports 2004
UNION STATE BANK OF FARGO — 2004
What UNION STATE BANK OF FARGO 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 | 33,212,000 | 34,564,000 | 37,133,000 | 38,718,000 |
| Total loans | 30,520,000 | 31,967,000 | 32,524,000 | 32,082,000 |
| Allowance for loan losses | 388,000 | 393,000 | 349,000 | 316,000 |
| Securities available for sale | 56,000 | 43,000 | 36,000 | 83,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,095,000 | 28,595,000 | 31,281,000 | 32,877,000 |
| Interest-bearing deposits | 22,872,000 | 22,676,000 | 23,669,000 | 23,807,000 |
| Noninterest-bearing deposits | 6,223,000 | 5,919,000 | 7,612,000 | 9,070,000 |
| Equity capital | 2,628,000 | 2,678,000 | 3,159,000 | 3,169,000 |
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 | 488,000 | 1,002,000 | 1,568,000 | 2,110,000 |
| Interest expense | 94,000 | 200,000 | 316,000 | 441,000 |
| Net interest income | 394,000 | 802,000 | 1,252,000 | 1,669,000 |
| Noninterest income | 172,000 | 339,000 | 509,000 | 670,000 |
| Noninterest expense | 464,000 | 935,000 | 1,417,000 | 1,878,000 |
| Provision for loan losses | 9,000 | 20,000 | 20,000 | -4,000 |
| Pretax income | 93,000 | 186,000 | 324,000 | 465,000 |
| Income tax | 22,000 | 65,000 | 123,000 | 107,000 |
| Net income | 71,000 | 121,000 | 201,000 | 212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,627,000 | 2,677,000 | 3,158,000 | 3,168,000 |
| Total capital | 2,988,000 | 3,057,000 | 3,507,000 | 3,484,000 |
| Risk-weighted assets | 28,885,000 | 30,437,000 | 31,419,000 | 31,006,000 |