Call reports 2003
UNION STATE BANK — 2003
What UNION STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 42,251,000 | 41,128,000 | 41,283,000 | 41,802,000 |
| Total loans | 25,729,000 | 26,747,000 | 26,803,000 | 26,333,000 |
| Allowance for loan losses | 284,000 | 278,000 | 268,000 | 261,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,104,000 | 11,671,000 | 11,955,000 | 13,049,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,398,000 | 32,944,000 | 32,766,000 | 34,062,000 |
| Interest-bearing deposits | 32,348,000 | 31,079,000 | 30,749,000 | 31,825,000 |
| Noninterest-bearing deposits | 2,050,000 | 1,865,000 | 2,017,000 | 2,237,000 |
| Equity capital | 4,784,000 | 4,884,000 | 4,987,000 | 5,015,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 630,000 | 1,272,000 | 1,914,000 | 2,555,000 |
| Interest expense | 241,000 | 486,000 | 700,000 | 911,000 |
| Net interest income | 389,000 | 786,000 | 1,214,000 | 1,644,000 |
| Noninterest income | 33,000 | 72,000 | 109,000 | 141,000 |
| Noninterest expense | 224,000 | 439,000 | 682,000 | 984,000 |
| Provision for loan losses | 0 | 18,000 | 20,000 | 76,000 |
| Pretax income | 198,000 | 401,000 | 621,000 | 725,000 |
| Income tax | 60,000 | 121,000 | 188,000 | 215,000 |
| Net income | 138,000 | 280,000 | 433,000 | 510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,784,000 | 4,884,000 | 4,987,000 | 5,015,000 |
| Total capital | 5,068,000 | 5,162,000 | 5,255,000 | 5,276,000 |
| Risk-weighted assets | 27,804,000 | 28,126,000 | 28,096,000 | 27,933,000 |
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