Call reports 2004
UNB BANK — 2004
What UNB 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 | 95,671,000 | 95,426,000 | 94,977,000 | 95,228,000 |
| Total loans | 57,487,000 | 58,015,000 | 58,552,000 | 59,725,000 |
| Allowance for loan losses | 579,000 | 571,000 | 557,000 | 556,000 |
| Securities available for sale | 30,482,000 | 30,251,000 | 29,478,000 | 26,133,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,802,000 | 85,886,000 | 85,164,000 | 85,430,000 |
| Interest-bearing deposits | 75,605,000 | 75,228,000 | 74,822,000 | 74,893,000 |
| Noninterest-bearing deposits | 10,197,000 | 10,658,000 | 10,342,000 | 10,537,000 |
| Equity capital | 8,747,000 | 8,313,000 | 8,758,000 | 8,762,000 |
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 | 1,183,000 | 2,323,000 | 3,514,000 | 4,692,000 |
| Interest expense | 436,000 | 847,000 | 1,264,000 | 1,690,000 |
| Net interest income | 747,000 | 1,476,000 | 2,250,000 | 3,002,000 |
| Noninterest income | 81,000 | 164,000 | 255,000 | 349,000 |
| Noninterest expense | 680,000 | 1,366,000 | 2,067,000 | 2,781,000 |
| Provision for loan losses | 120,000 | 74,000 | 74,000 | 74,000 |
| Pretax income | 28,000 | 200,000 | 364,000 | 496,000 |
| Income tax | 7,000 | 39,000 | 79,000 | 98,000 |
| Net income | 21,000 | 161,000 | 285,000 | 398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,706,000 | 8,788,000 | 8,911,000 | 8,905,000 |
| Total capital | 9,285,000 | 9,359,000 | 9,468,000 | 9,461,000 |
| Risk-weighted assets | 55,433,000 | 55,622,000 | 56,718,000 | 57,688,000 |