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 | 72,049,000 | 71,637,000 | 72,094,000 | 69,603,000 |
| Total loans | 44,398,000 | 47,455,000 | 49,540,000 | 48,065,000 |
| Allowance for loan losses | 533,000 | 538,000 | 578,000 | 599,000 |
| Securities available for sale | 13,941,000 | 14,511,000 | 14,621,000 | 14,300,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,700,000 | 62,134,000 | 61,844,000 | 59,800,000 |
| Interest-bearing deposits | 53,086,000 | 52,809,000 | 52,910,000 | 50,588,000 |
| Noninterest-bearing deposits | 9,614,000 | 9,325,000 | 8,933,000 | 9,212,000 |
| Equity capital | 7,322,000 | 7,379,000 | 7,391,000 | 7,445,000 |
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 | 901,000 | 1,807,000 | 2,737,000 | 3,651,000 |
| Interest expense | 343,000 | 671,000 | 980,000 | 1,272,000 |
| Net interest income | 558,000 | 1,136,000 | 1,757,000 | 2,379,000 |
| Noninterest income | 196,000 | 425,000 | 628,000 | 832,000 |
| Noninterest expense | 587,000 | 1,145,000 | 1,731,000 | 2,294,000 |
| Provision for loan losses | 31,000 | 62,000 | 93,000 | 124,000 |
| Pretax income | 142,000 | 361,000 | 568,000 | 805,000 |
| Income tax | 9,000 | 5,000 | 14,000 | 23,000 |
| Net income | 133,000 | 356,000 | 554,000 | 782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,351,000 | 6,402,000 | 6,544,000 | 6,624,000 |
| Total capital | 6,884,000 | 6,940,000 | 7,122,000 | 7,223,000 |
| Risk-weighted assets | 46,657,000 | 48,728,000 | 49,559,000 | 48,262,000 |
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