Call reports 2004
UNION COUNTY NATIONAL BANK OF LIBERTY, THE — 2004
What UNION COUNTY NATIONAL BANK OF LIBERTY, 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 | 186,956,000 | 194,362,000 | 194,159,000 | 197,288,000 |
| Total loans | 152,951,000 | 150,419,000 | 149,397,000 | 146,017,000 |
| Allowance for loan losses | 1,651,000 | 1,658,000 | 1,630,000 | 1,715,000 |
| Securities available for sale | 20,659,000 | 28,164,000 | 31,799,000 | 31,971,000 |
| Securities held to maturity | 510,000 | 44,000 | 40,000 | 37,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,165,000 | 149,743,000 | 150,623,000 | 157,800,000 |
| Interest-bearing deposits | 127,775,000 | 132,648,000 | 133,664,000 | 138,603,000 |
| Noninterest-bearing deposits | 17,390,000 | 17,095,000 | 16,958,000 | 19,197,000 |
| Equity capital | 14,697,000 | 14,438,000 | 14,617,000 | 14,980,000 |
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 | 2,505,000 | 4,932,000 | 7,418,000 | 10,008,000 |
| Interest expense | 844,000 | 1,626,000 | 2,455,000 | 3,289,000 |
| Net interest income | 1,661,000 | 3,306,000 | 4,963,000 | 6,719,000 |
| Noninterest income | 398,000 | 916,000 | 1,394,000 | 1,908,000 |
| Noninterest expense | 1,168,000 | 2,374,000 | 3,583,000 | 4,830,000 |
| Provision for loan losses | 0 | 30,000 | 50,000 | 140,000 |
| Pretax income | 892,000 | 1,819,000 | 2,725,000 | 3,866,000 |
| Income tax | 271,000 | 558,000 | 810,000 | 1,157,000 |
| Net income | 621,000 | 1,261,000 | 1,915,000 | 2,709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,179,000 | 14,168,000 | 13,953,000 | 14,596,000 |
| Total capital | 15,830,000 | 15,826,000 | 15,583,000 | 16,293,000 |
| Risk-weighted assets | 134,288,000 | 135,986,000 | 139,633,000 | 135,736,000 |