Call reports 2003
UNION COUNTY SAVINGS BANK — 2003
What UNION COUNTY SAVINGS 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 | 948,062,000 | 976,253,000 | 994,476,000 | 1,002,828,000 |
| Total loans | 71,199,000 | 67,639,000 | 63,682,000 | 66,668,000 |
| Allowance for loan losses | 629,000 | 629,000 | 629,000 | 594,000 |
| Securities available for sale | 44,712,000 | 56,569,000 | 61,286,000 | 64,972,000 |
| Securities held to maturity | 769,273,000 | 743,999,000 | 819,339,000 | 815,100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 783,978,000 | 809,028,000 | 827,019,000 | 831,487,000 |
| Interest-bearing deposits | 763,780,000 | 787,179,000 | 805,300,000 | 809,967,000 |
| Noninterest-bearing deposits | 20,198,000 | 21,849,000 | 21,719,000 | 21,520,000 |
| Equity capital | 156,392,000 | 159,594,000 | 160,834,000 | 164,352,000 |
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 | 10,428,000 | 21,265,000 | 31,609,000 | 43,579,000 |
| Interest expense | 5,786,000 | 11,613,000 | 17,149,000 | 22,637,000 |
| Net interest income | 4,642,000 | 9,652,000 | 14,460,000 | 20,942,000 |
| Noninterest income | 58,000 | 103,000 | 149,000 | 199,000 |
| Noninterest expense | 1,354,000 | 2,626,000 | 3,922,000 | 5,276,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,539,000 | 7,478,000 | 11,092,000 | 16,352,000 |
| Income tax | 1,230,000 | 2,410,000 | 3,700,000 | 5,830,000 |
| Net income | 2,309,000 | 5,068,000 | 7,392,000 | 10,522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 154,069,000 | 156,828,000 | 159,152,000 | 162,547,000 |
| Total capital | 154,698,000 | 157,457,000 | 159,781,000 | 163,141,000 |
| Risk-weighted assets | 306,235,000 | 304,855,000 | 318,886,000 | 317,430,000 |
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