Call reports 2004
UNIBANK FOR SAVINGS — 2004
What UNIBANK FOR SAVINGS 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 | 598,005,000 | 643,238,000 | 630,678,000 | 614,122,000 |
| Total loans | 244,419,000 | 265,489,000 | 278,306,000 | 283,846,000 |
| Allowance for loan losses | 5,173,000 | 5,174,000 | 5,171,000 | 5,153,000 |
| Securities available for sale | 155,308,000 | 156,522,000 | 129,868,000 | 127,628,000 |
| Securities held to maturity | 117,113,000 | 112,169,000 | 111,562,000 | 112,213,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 536,955,000 | 582,367,000 | 569,051,000 | 551,555,000 |
| Interest-bearing deposits | 472,534,000 | 492,658,000 | 495,146,000 | 473,521,000 |
| Noninterest-bearing deposits | 64,421,000 | 89,709,000 | 73,905,000 | 78,034,000 |
| Equity capital | 47,146,000 | 46,565,000 | 47,526,000 | 48,264,000 |
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 | 5,290,000 | 10,703,000 | 16,327,000 | 22,037,000 |
| Interest expense | 987,000 | 2,035,000 | 3,226,000 | 4,422,000 |
| Net interest income | 4,303,000 | 8,668,000 | 13,101,000 | 17,615,000 |
| Noninterest income | 1,892,000 | 4,356,000 | 6,159,000 | 7,872,000 |
| Noninterest expense | 5,232,000 | 10,796,000 | 15,883,000 | 20,949,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,001,000 | 2,288,000 | 3,441,000 | 4,586,000 |
| Income tax | 332,000 | 785,000 | 1,166,000 | 1,533,000 |
| Net income | 669,000 | 1,503,000 | 2,275,000 | 3,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,674,000 | 40,534,000 | 41,330,000 | 42,134,000 |
| Total capital | 45,204,000 | 46,705,000 | 47,312,000 | 48,339,000 |
| Risk-weighted assets | 362,362,000 | 417,085,000 | 404,846,000 | 404,949,000 |