Call reports 2004
UNION BANK, INC. — 2004
What UNION BANK, INC. 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 | 73,439,000 | 72,039,000 | 72,975,000 | 70,646,000 |
| Total loans | 43,004,000 | 43,795,000 | 43,169,000 | 43,681,000 |
| Allowance for loan losses | 686,000 | 706,000 | 720,000 | 610,000 |
| Securities available for sale | 15,563,000 | 15,856,000 | 14,923,000 | 14,562,000 |
| Securities held to maturity | 289,000 | 289,000 | 284,000 | 284,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,186,000 | 61,349,000 | 60,722,000 | 54,911,000 |
| Interest-bearing deposits | 51,737,000 | 51,127,000 | 50,415,000 | 48,829,000 |
| Noninterest-bearing deposits | 10,449,000 | 10,222,000 | 10,307,000 | 6,082,000 |
| Equity capital | 8,992,000 | 8,633,000 | 8,864,000 | 12,855,000 |
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 | 950,000 | 1,910,000 | 2,858,000 | 3,816,000 |
| Interest expense | 228,000 | 451,000 | 673,000 | 893,000 |
| Net interest income | 722,000 | 1,459,000 | 2,185,000 | 2,923,000 |
| Noninterest income | 57,000 | 131,000 | 205,000 | 269,000 |
| Noninterest expense | 526,000 | 1,037,000 | 1,552,000 | 2,123,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 234,000 | 510,000 | 769,000 | 976,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 234,000 | 510,000 | 769,000 | 976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,639,000 | 4,680,000 | 4,697,000 | 8,771,000 |
| Total capital | 5,195,000 | 5,244,000 | 5,356,000 | 9,342,000 |
| Risk-weighted assets | 44,332,000 | 44,944,000 | 52,649,000 | 45,641,000 |