Call reports 2003
UNITI BANK — 2003
What UNITI 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 | 47,074,000 | 52,744,000 | 62,947,000 | 69,415,000 |
| Total loans | 35,963,000 | 40,431,000 | 48,399,000 | 49,349,000 |
| Allowance for loan losses | 340,000 | 390,000 | 460,000 | 520,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,365,000 | 46,037,000 | 56,147,000 | 54,481,000 |
| Interest-bearing deposits | 30,087,000 | 34,226,000 | 40,858,000 | 40,743,000 |
| Noninterest-bearing deposits | 10,278,000 | 11,812,000 | 15,289,000 | 13,738,000 |
| Equity capital | 6,176,000 | 6,266,000 | 6,466,000 | 14,668,000 |
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 | 575,000 | 1,232,000 | 1,980,000 | 2,799,000 |
| Interest expense | 187,000 | 379,000 | 578,000 | 792,000 |
| Net interest income | 388,000 | 853,000 | 1,402,000 | 2,007,000 |
| Noninterest income | 177,000 | 416,000 | 686,000 | 1,144,000 |
| Noninterest expense | 549,000 | 1,121,000 | 1,700,000 | 2,469,000 |
| Provision for loan losses | 50,000 | 100,000 | 170,000 | 230,000 |
| Pretax income | -34,000 | 48,000 | 218,000 | 452,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -35,000 | 47,000 | 217,000 | 451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,176,000 | 6,266,000 | 6,466,000 | 14,647,000 |
| Total capital | 6,516,000 | 6,656,000 | 6,926,000 | 15,167,000 |
| Risk-weighted assets | 37,108,000 | 41,242,000 | 49,244,000 | 51,623,000 |
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