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 | 132,662,000 | 138,846,000 | 137,655,000 | 143,291,000 |
| Total loans | 108,862,000 | 111,323,000 | 113,447,000 | 121,921,000 |
| Allowance for loan losses | 1,975,000 | 1,770,000 | 1,842,000 | 2,040,000 |
| Securities available for sale | 12,546,000 | 14,588,000 | 14,011,000 | 15,284,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,346,000 | 115,541,000 | 114,796,000 | 116,160,000 |
| Interest-bearing deposits | 98,739,000 | 101,500,000 | 102,236,000 | 103,364,000 |
| Noninterest-bearing deposits | 10,607,000 | 14,041,000 | 12,560,000 | 12,796,000 |
| Equity capital | 15,922,000 | 16,014,000 | 16,386,000 | 16,618,000 |
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 | 1,645,000 | 3,340,000 | 5,146,000 | 7,045,000 |
| Interest expense | 539,000 | 1,100,000 | 1,662,000 | 2,263,000 |
| Net interest income | 1,106,000 | 2,240,000 | 3,484,000 | 4,782,000 |
| Noninterest income | 121,000 | 327,000 | 551,000 | 789,000 |
| Noninterest expense | 780,000 | 1,626,000 | 2,495,000 | 3,388,000 |
| Provision for loan losses | 135,000 | 250,000 | 355,000 | 565,000 |
| Pretax income | 312,000 | 691,000 | 1,185,000 | 1,618,000 |
| Income tax | 118,000 | 261,000 | 448,000 | 612,000 |
| Net income | 194,000 | 430,000 | 737,000 | 1,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,869,000 | 16,104,000 | 16,411,000 | 16,678,000 |
| Total capital | 17,248,000 | 17,525,000 | 17,836,000 | 18,190,000 |
| Risk-weighted assets | 109,725,000 | 113,391,000 | 113,556,000 | 120,431,000 |