Call reports 2003
UNION BANK — 2003
What UNION 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 | 127,702,000 | 127,549,000 | 126,564,000 | 125,983,000 |
| Total loans | 69,422,000 | 71,053,000 | 72,775,000 | 70,993,000 |
| Allowance for loan losses | 903,000 | 970,000 | 986,000 | 1,001,000 |
| Securities available for sale | 42,094,000 | 36,252,000 | 36,731,000 | 37,025,000 |
| Securities held to maturity | 1,097,000 | 672,000 | 665,000 | 658,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,679,000 | 110,789,000 | 109,852,000 | 109,340,000 |
| Interest-bearing deposits | 94,083,000 | 93,995,000 | 93,041,000 | 92,049,000 |
| Noninterest-bearing deposits | 16,596,000 | 16,794,000 | 16,811,000 | 17,291,000 |
| Equity capital | 15,885,000 | 15,858,000 | 15,884,000 | 15,823,000 |
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 | 1,839,000 | 3,648,000 | 5,428,000 | 7,150,000 |
| Interest expense | 610,000 | 1,197,000 | 1,741,000 | 2,229,000 |
| Net interest income | 1,229,000 | 2,451,000 | 3,687,000 | 4,921,000 |
| Noninterest income | 183,000 | 386,000 | 506,000 | 1,111,000 |
| Noninterest expense | 687,000 | 1,530,000 | 2,301,000 | 3,590,000 |
| Provision for loan losses | 60,000 | 230,000 | 290,000 | 350,000 |
| Pretax income | 665,000 | 1,077,000 | 1,602,000 | 2,094,000 |
| Income tax | 241,000 | 335,000 | 488,000 | 672,000 |
| Net income | 424,000 | 742,000 | 1,114,000 | 1,422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,323,000 | 15,311,000 | 15,683,000 | 15,661,000 |
| Total capital | 16,226,000 | 16,058,000 | 16,422,000 | 16,591,000 |
| Risk-weighted assets | 72,639,000 | 73,984,000 | 75,533,000 | 74,271,000 |
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