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 | 73,337,000 | 67,175,000 | 67,963,000 | 67,054,000 |
| Total loans | 38,365,000 | 40,827,000 | 41,824,000 | 41,520,000 |
| Allowance for loan losses | 466,000 | 424,000 | 440,000 | 440,000 |
| Securities available for sale | 17,951,000 | 16,966,000 | 17,353,000 | 16,425,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,082,000 | 59,063,000 | 60,187,000 | 59,314,000 |
| Interest-bearing deposits | 48,532,000 | 50,469,000 | 50,349,000 | 50,201,000 |
| Noninterest-bearing deposits | 16,550,000 | 8,594,000 | 9,838,000 | 9,113,000 |
| Equity capital | 7,039,000 | 6,746,000 | 7,001,000 | 7,002,000 |
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 | 809,000 | 1,614,000 | 2,448,000 | 3,297,000 |
| Interest expense | 224,000 | 445,000 | 673,000 | 908,000 |
| Net interest income | 585,000 | 1,169,000 | 1,775,000 | 2,389,000 |
| Noninterest income | 374,000 | 750,000 | 1,045,000 | 1,325,000 |
| Noninterest expense | 745,000 | 1,570,000 | 2,379,000 | 3,142,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 199,000 | 319,000 | 396,000 | 512,000 |
| Income tax | 48,000 | 67,000 | 42,000 | 44,000 |
| Net income | 151,000 | 252,000 | 354,000 | 468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,609,000 | 6,660,000 | 6,714,000 | 6,776,000 |
| Total capital | 7,075,000 | 7,084,000 | 7,154,000 | 7,216,000 |
| Risk-weighted assets | 40,894,000 | 41,434,000 | 41,823,000 | 41,490,000 |