Call reports 2004
UNION BANK, THE — 2004
What UNION BANK, THE 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 | 36,258,000 | 37,125,000 | 38,289,000 | 37,807,000 |
| Total loans | 27,824,000 | 29,640,000 | 29,685,000 | 28,272,000 |
| Allowance for loan losses | 369,000 | 375,000 | 391,000 | 404,000 |
| Securities available for sale | 2,337,000 | 2,232,000 | 2,517,000 | 2,203,000 |
| Securities held to maturity | 2,312,000 | 2,488,000 | 2,488,000 | 3,001,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,511,000 | 32,237,000 | 33,376,000 | 34,177,000 |
| Interest-bearing deposits | 28,649,000 | 28,507,000 | 29,144,000 | 30,058,000 |
| Noninterest-bearing deposits | 3,862,000 | 3,730,000 | 4,232,000 | 4,119,000 |
| Equity capital | 3,156,000 | 3,238,000 | 3,289,000 | 3,331,000 |
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 | 529,000 | 1,078,000 | 1,627,000 | 2,184,000 |
| Interest expense | 155,000 | 308,000 | 471,000 | 650,000 |
| Net interest income | 374,000 | 770,000 | 1,156,000 | 1,534,000 |
| Noninterest income | 42,000 | 89,000 | 133,000 | 185,000 |
| Noninterest expense | 298,000 | 602,000 | 898,000 | 1,210,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 66,000 |
| Pretax income | 100,000 | 221,000 | 337,000 | 443,000 |
| Income tax | 43,000 | 71,000 | 114,000 | 142,000 |
| Net income | 57,000 | 150,000 | 223,000 | 301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,132,000 | 3,225,000 | 3,281,000 | 3,329,000 |
| Total capital | 3,501,000 | 3,598,000 | 3,669,000 | 3,715,000 |
| Risk-weighted assets | 29,557,000 | 30,198,000 | 31,066,000 | 30,900,000 |