Call reports 2004
UNION COLONY BANK — 2004
What UNION COLONY 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 | 474,593,000 | 478,863,000 | 472,300,000 | 462,969,000 |
| Total loans | 322,710,000 | 324,776,000 | 333,438,000 | 336,311,000 |
| Allowance for loan losses | 5,248,000 | 5,519,000 | 5,282,000 | 4,236,000 |
| Securities available for sale | 1,021,000 | 1,008,000 | 0 | 0 |
| Securities held to maturity | 62,444,000 | 75,301,000 | 80,658,000 | 71,878,000 |
| Trading assets | 0 | 0 | 0 | 3,501,000 |
| Total deposits | 408,354,000 | 413,940,000 | 398,289,000 | 387,939,000 |
| Interest-bearing deposits | 382,870,000 | 379,091,000 | 371,615,000 | 359,438,000 |
| Noninterest-bearing deposits | 25,484,000 | 34,849,000 | 26,674,000 | 28,501,000 |
| Equity capital | 49,062,000 | 49,413,000 | 50,242,000 | 49,414,000 |
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 | 5,823,000 | 12,045,000 | 18,487,000 | 24,733,000 |
| Interest expense | 1,421,000 | 2,888,000 | 4,303,000 | 5,692,000 |
| Net interest income | 4,402,000 | 9,157,000 | 14,184,000 | 19,041,000 |
| Noninterest income | 1,074,000 | 2,269,000 | 3,457,000 | 2,528,000 |
| Noninterest expense | 3,362,000 | 7,421,000 | 11,100,000 | 15,155,000 |
| Provision for loan losses | 1,149,000 | 2,515,000 | 3,368,000 | 2,284,000 |
| Pretax income | 965,000 | 1,490,000 | 3,173,000 | 4,130,000 |
| Income tax | 342,000 | 507,000 | 1,106,000 | 1,433,000 |
| Net income | 623,000 | 983,000 | 2,067,000 | 2,697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,548,000 | 33,012,000 | 33,933,000 | 33,231,000 |
| Total capital | 36,980,000 | 37,473,000 | 38,469,000 | 37,467,000 |
| Risk-weighted assets | 353,774,000 | 355,861,000 | 362,137,000 | 362,801,000 |