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 | 29,989,000 | 29,603,000 | 30,203,000 | 30,024,000 |
| Total loans | 19,302,000 | 18,850,000 | 18,843,000 | 18,844,000 |
| Allowance for loan losses | 265,000 | 251,000 | 248,000 | 238,000 |
| Securities available for sale | 4,150,000 | 3,943,000 | 4,212,000 | 4,211,000 |
| Securities held to maturity | 1,378,000 | 1,376,000 | 1,375,000 | 1,373,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,525,000 | 22,637,000 | 23,289,000 | 23,436,000 |
| Interest-bearing deposits | 20,805,000 | 20,271,000 | 20,024,000 | 20,648,000 |
| Noninterest-bearing deposits | 2,720,000 | 2,366,000 | 3,265,000 | 2,788,000 |
| Equity capital | 2,372,000 | 2,324,000 | 2,412,000 | 2,371,000 |
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 | 387,000 | 775,000 | 1,157,000 | 1,556,000 |
| Interest expense | 135,000 | 259,000 | 384,000 | 511,000 |
| Net interest income | 252,000 | 516,000 | 773,000 | 1,045,000 |
| Noninterest income | 58,000 | 131,000 | 220,000 | 295,000 |
| Noninterest expense | 262,000 | 515,000 | 782,000 | 1,081,000 |
| Provision for loan losses | 0 | 2,000 | 5,000 | 10,000 |
| Pretax income | 48,000 | 130,000 | 206,000 | 249,000 |
| Income tax | 0 | 0 | 0 | 7,000 |
| Net income | 48,000 | 130,000 | 206,000 | 242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,325,000 | 2,352,000 | 2,393,000 | 2,369,000 |
| Total capital | 2,569,000 | 2,588,000 | 2,635,000 | 2,607,000 |
| Risk-weighted assets | 19,533,000 | 18,882,000 | 19,391,000 | 19,259,000 |