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 | 252,180,000 | 254,138,000 | 246,646,000 | 242,301,000 |
| Total loans | 135,810,000 | 131,690,000 | 129,142,000 | 125,800,000 |
| Allowance for loan losses | 2,481,000 | 2,688,000 | 2,366,000 | 2,494,000 |
| Securities available for sale | 72,152,000 | 89,804,000 | 91,580,000 | 88,958,000 |
| Securities held to maturity | 815,000 | 815,000 | 1,050,000 | 1,050,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,299,000 | 231,115,000 | 221,549,000 | 217,084,000 |
| Interest-bearing deposits | 159,857,000 | 162,538,000 | 154,556,000 | 153,955,000 |
| Noninterest-bearing deposits | 66,442,000 | 68,577,000 | 66,993,000 | 63,129,000 |
| Equity capital | 21,188,000 | 18,624,000 | 20,872,000 | 21,043,000 |
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 | 2,934,000 | 6,008,000 | 9,307,000 | 12,467,000 |
| Interest expense | 668,000 | 1,331,000 | 2,015,000 | 2,728,000 |
| Net interest income | 2,266,000 | 4,677,000 | 7,292,000 | 9,739,000 |
| Noninterest income | 648,000 | 1,314,000 | 1,736,000 | 2,298,000 |
| Noninterest expense | 2,011,000 | 4,003,000 | 6,177,000 | 8,281,000 |
| Provision for loan losses | 0 | 222,000 | 372,000 | 422,000 |
| Pretax income | 690,000 | 1,553,000 | 2,266,000 | 3,122,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 690,000 | 1,553,000 | 2,266,000 | 3,122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,473,000 | 21,139,000 | 21,397,000 | 22,166,000 |
| Total capital | 22,438,000 | 23,064,000 | 23,298,000 | 24,012,000 |
| Risk-weighted assets | 156,659,000 | 153,260,000 | 151,641,000 | 148,741,000 |