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 | 64,712,000 | 66,349,000 | 69,086,000 | 69,847,000 |
| Total loans | 44,390,000 | 44,937,000 | 48,132,000 | 47,315,000 |
| Allowance for loan losses | 467,000 | 466,000 | 464,000 | 452,000 |
| Securities available for sale | 15,153,000 | 15,971,000 | 16,155,000 | 14,478,000 |
| Securities held to maturity | 1,404,000 | 1,316,000 | 1,218,000 | 1,424,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,682,000 | 50,631,000 | 50,551,000 | 55,616,000 |
| Interest-bearing deposits | 44,360,000 | 44,668,000 | 44,190,000 | 48,109,000 |
| Noninterest-bearing deposits | 5,322,000 | 5,963,000 | 6,361,000 | 7,507,000 |
| Equity capital | 6,970,000 | 6,645,000 | 6,994,000 | 6,708,000 |
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 | 887,000 | 1,766,000 | 2,700,000 | 3,664,000 |
| Interest expense | 336,000 | 666,000 | 1,010,000 | 1,382,000 |
| Net interest income | 551,000 | 1,100,000 | 1,690,000 | 2,282,000 |
| Noninterest income | 43,000 | 88,000 | 140,000 | 233,000 |
| Noninterest expense | 363,000 | 720,000 | 1,088,000 | 1,423,000 |
| Provision for loan losses | 75,000 | 75,000 | 75,000 | 90,000 |
| Pretax income | 156,000 | 401,000 | 675,000 | 1,010,000 |
| Income tax | 7,000 | 19,000 | 33,000 | 50,000 |
| Net income | 149,000 | 382,000 | 642,000 | 960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,712,000 | 6,825,000 | 6,899,000 | 6,707,000 |
| Total capital | 7,179,000 | 7,291,000 | 7,363,000 | 7,159,000 |
| Risk-weighted assets | 42,764,000 | 43,364,000 | 46,365,000 | 45,462,000 |