Call reports 2003
UNITED SECURITY BANK — 2003
What UNITED SECURITY 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 | 513,149,000 | 509,758,000 | 506,423,000 | 503,912,000 |
| Total loans | 351,470,000 | 349,269,000 | 354,668,000 | 344,797,000 |
| Allowance for loan losses | 4,968,000 | 5,060,000 | 5,298,000 | 6,081,000 |
| Securities available for sale | 98,161,000 | 99,913,000 | 89,128,000 | 83,735,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 446,515,000 | 442,319,000 | 434,991,000 | 442,151,000 |
| Interest-bearing deposits | 351,433,000 | 348,258,000 | 347,002,000 | 345,847,000 |
| Noninterest-bearing deposits | 95,081,000 | 94,060,000 | 87,990,000 | 96,304,000 |
| Equity capital | 53,867,000 | 55,614,000 | 57,685,000 | 57,665,000 |
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 | 6,772,000 | 13,198,000 | 20,214,000 | 27,055,000 |
| Interest expense | 1,978,000 | 3,652,000 | 5,084,000 | 6,476,000 |
| Net interest income | 4,794,000 | 9,546,000 | 15,130,000 | 20,579,000 |
| Noninterest income | 1,037,000 | 2,433,000 | 4,277,000 | 5,674,000 |
| Noninterest expense | 2,801,000 | 5,432,000 | 8,454,000 | 11,220,000 |
| Provision for loan losses | 245,000 | 501,000 | 872,000 | 1,713,000 |
| Pretax income | 2,785,000 | 6,022,000 | 10,057,000 | 13,262,000 |
| Income tax | 938,000 | 1,909,000 | 3,138,000 | 5,031,000 |
| Net income | 1,847,000 | 4,113,000 | 6,919,000 | 8,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,835,000 | 52,602,000 | 55,418,000 | 55,563,000 |
| Total capital | 55,803,000 | 57,662,000 | 60,716,000 | 60,485,000 |
| Risk-weighted assets | 453,475,000 | 429,556,000 | 444,591,000 | 446,734,000 |