Call reports 2004
UNION BANK OF BENTON, THE — 2004
What UNION BANK OF BENTON, 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 | 214,032,000 | 217,552,000 | 219,979,000 | 211,151,000 |
| Total loans | 69,360,000 | 68,487,000 | 71,124,000 | 69,276,000 |
| Allowance for loan losses | 1,233,000 | 1,162,000 | 1,194,000 | 1,250,000 |
| Securities available for sale | 97,908,000 | 102,307,000 | 108,203,000 | 122,115,000 |
| Securities held to maturity | 21,566,000 | 21,001,000 | 21,002,000 | 10,902,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,768,000 | 180,586,000 | 182,067,000 | 170,521,000 |
| Interest-bearing deposits | 145,115,000 | 147,978,000 | 147,566,000 | 136,313,000 |
| Noninterest-bearing deposits | 31,653,000 | 32,608,000 | 34,501,000 | 34,208,000 |
| Equity capital | 17,652,000 | 15,830,000 | 17,595,000 | 17,637,000 |
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 | 2,541,000 | 5,055,000 | 7,618,000 | 10,141,000 |
| Interest expense | 598,000 | 1,190,000 | 1,810,000 | 2,465,000 |
| Net interest income | 1,943,000 | 3,865,000 | 5,808,000 | 7,676,000 |
| Noninterest income | 376,000 | 861,000 | 1,297,000 | 1,742,000 |
| Noninterest expense | 1,694,000 | 3,315,000 | 5,088,000 | 6,833,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 608,000 | 1,349,000 | 1,886,000 | 2,409,000 |
| Income tax | 128,000 | 306,000 | 420,000 | 541,000 |
| Net income | 480,000 | 1,043,000 | 1,466,000 | 1,868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,310,000 | 15,396,000 | 15,547,000 | 15,649,000 |
| Total capital | 17,369,000 | 17,468,000 | 17,691,000 | 17,913,000 |
| Risk-weighted assets | 96,278,000 | 99,342,000 | 100,050,000 | 96,474,000 |