Call reports 2003
UNITED COMMERCE BANK — 2003
What UNITED COMMERCE 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 | 94,133,000 | 95,485,000 | 100,970,000 | 101,139,000 |
| Total loans | 78,249,000 | 84,875,000 | 87,504,000 | 88,855,000 |
| Allowance for loan losses | 798,000 | 825,000 | 862,000 | 866,000 |
| Securities available for sale | 10,486,000 | 6,901,000 | 6,373,000 | 6,270,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,555,000 | 86,331,000 | 91,599,000 | 89,671,000 |
| Interest-bearing deposits | 77,282,000 | 77,983,000 | 84,071,000 | 81,326,000 |
| Noninterest-bearing deposits | 8,273,000 | 8,348,000 | 7,528,000 | 8,345,000 |
| Equity capital | 8,135,000 | 8,486,000 | 8,773,000 | 9,047,000 |
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 | 1,262,000 | 2,573,000 | 3,915,000 | 5,210,000 |
| Interest expense | 408,000 | 806,000 | 1,176,000 | 1,523,000 |
| Net interest income | 854,000 | 1,767,000 | 2,739,000 | 3,687,000 |
| Noninterest income | 214,000 | 469,000 | 733,000 | 866,000 |
| Noninterest expense | 730,000 | 1,509,000 | 2,361,000 | 3,145,000 |
| Provision for loan losses | 49,000 | 99,000 | 148,000 | 197,000 |
| Pretax income | 289,000 | 628,000 | 963,000 | 1,215,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 289,000 | 628,000 | 963,000 | 1,215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,070,000 | 8,409,000 | 8,744,000 | 8,996,000 |
| Total capital | 8,868,000 | 9,234,000 | 9,606,000 | 9,862,000 |
| Risk-weighted assets | 64,396,000 | 69,198,000 | 73,003,000 | 73,415,000 |
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