Call reports 2004
UNION BANK — 2004
What UNION 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 | 349,545,000 | 343,550,000 | 359,825,000 | 358,986,000 |
| Total loans | 267,848,000 | 266,102,000 | 284,692,000 | 280,071,000 |
| Allowance for loan losses | 3,019,000 | 3,023,000 | 3,093,000 | 3,067,000 |
| Securities available for sale | 43,346,000 | 46,252,000 | 42,025,000 | 40,966,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 295,830,000 | 288,279,000 | 309,987,000 | 307,799,000 |
| Interest-bearing deposits | 247,352,000 | 239,139,000 | 252,704,000 | 249,345,000 |
| Noninterest-bearing deposits | 48,478,000 | 49,140,000 | 57,283,000 | 58,454,000 |
| Equity capital | 40,644,000 | 40,164,000 | 41,048,000 | 41,559,000 |
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 | 4,871,000 | 9,778,000 | 14,898,000 | 20,194,000 |
| Interest expense | 844,000 | 1,660,000 | 2,467,000 | 3,310,000 |
| Net interest income | 4,027,000 | 8,118,000 | 12,431,000 | 16,884,000 |
| Noninterest income | 928,000 | 1,780,000 | 2,654,000 | 3,712,000 |
| Noninterest expense | 3,115,000 | 6,130,000 | 9,090,000 | 11,998,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 30,000 |
| Pretax income | 1,865,000 | 3,793,000 | 5,990,000 | 8,591,000 |
| Income tax | 558,000 | 1,118,000 | 1,778,000 | 2,584,000 |
| Net income | 1,307,000 | 2,675,000 | 4,212,000 | 6,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,661,000 | 39,990,000 | 40,487,000 | 41,182,000 |
| Total capital | 42,720,000 | 43,072,000 | 43,670,000 | 44,361,000 |
| Risk-weighted assets | 236,621,000 | 238,182,000 | 245,067,000 | 242,858,000 |