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 | 257,912,000 | 251,910,000 | 253,160,000 | 259,390,000 |
| Total loans | 118,349,000 | 122,504,000 | 127,800,000 | 139,441,000 |
| Allowance for loan losses | 3,318,000 | 2,023,000 | 2,023,000 | 1,940,000 |
| Securities available for sale | 61,100,000 | 67,656,000 | 61,380,000 | 58,660,000 |
| Securities held to maturity | 35,796,000 | 37,510,000 | 34,676,000 | 33,858,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,860,000 | 223,929,000 | 223,640,000 | 229,396,000 |
| Interest-bearing deposits | 185,072,000 | 179,643,000 | 179,064,000 | 183,370,000 |
| Noninterest-bearing deposits | 42,788,000 | 44,286,000 | 44,576,000 | 46,026,000 |
| Equity capital | 27,686,000 | 26,425,000 | 27,910,000 | 27,877,000 |
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 | 3,272,000 | 6,302,000 | 9,456,000 | 12,834,000 |
| Interest expense | 1,330,000 | 2,663,000 | 3,984,000 | 5,294,000 |
| Net interest income | 1,942,000 | 3,639,000 | 5,472,000 | 7,540,000 |
| Noninterest income | 448,000 | 919,000 | 1,348,000 | 1,741,000 |
| Noninterest expense | 1,828,000 | 3,605,000 | 5,395,000 | 7,313,000 |
| Provision for loan losses | 1,100,000 | 1,100,000 | 1,100,000 | 1,100,000 |
| Pretax income | -488,000 | -97,000 | 387,000 | 930,000 |
| Income tax | -183,000 | -39,000 | 30,000 | 73,000 |
| Net income | -305,000 | -58,000 | 357,000 | 857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,631,000 | 27,752,000 | 28,167,000 | 27,288,000 |
| Total capital | 29,543,000 | 29,639,000 | 30,098,000 | 29,228,000 |
| Risk-weighted assets | 151,549,000 | 150,814,000 | 154,362,000 | 163,166,000 |