Call reports 2004
UNITED BANK OF UNION — 2004
What UNITED BANK OF UNION 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 | 210,000,000 | 203,826,000 | 207,508,000 | 214,189,000 |
| Total loans | 150,380,000 | 153,036,000 | 156,547,000 | 167,029,000 |
| Allowance for loan losses | 1,749,000 | 2,100,000 | 2,352,000 | 2,441,000 |
| Securities available for sale | 41,620,000 | 37,674,000 | 36,248,000 | 33,438,000 |
| Securities held to maturity | 3,263,000 | 3,263,000 | 3,263,000 | 3,263,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,416,000 | 171,545,000 | 175,258,000 | 184,556,000 |
| Interest-bearing deposits | 152,591,000 | 148,368,000 | 151,233,000 | 160,184,000 |
| Noninterest-bearing deposits | 26,825,000 | 23,177,000 | 24,025,000 | 24,372,000 |
| Equity capital | 17,458,000 | 17,332,000 | 17,797,000 | 18,428,000 |
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 | 2,660,000 | 5,363,000 | 8,088,000 | 11,056,000 |
| Interest expense | 757,000 | 1,478,000 | 2,228,000 | 3,101,000 |
| Net interest income | 1,903,000 | 3,885,000 | 5,860,000 | 7,955,000 |
| Noninterest income | 381,000 | 751,000 | 1,101,000 | 1,467,000 |
| Noninterest expense | 1,283,000 | 2,530,000 | 3,853,000 | 5,023,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,100,000 |
| Pretax income | 701,000 | 1,506,000 | 2,208,000 | 3,299,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 701,000 | 1,506,000 | 2,208,000 | 3,299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,107,000 | 17,532,000 | 17,854,000 | 18,564,000 |
| Total capital | 18,856,000 | 19,442,000 | 19,766,000 | 20,590,000 |
| Risk-weighted assets | 151,663,000 | 152,609,000 | 152,516,000 | 161,695,000 |