Call reports 2003
UNION BANK COMPANY, THE — 2003
What UNION BANK COMPANY, THE 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 | 497,254,000 | 495,569,000 | 486,312,000 | 497,880,000 |
| Total loans | 297,028,000 | 293,825,000 | 292,620,000 | 292,220,000 |
| Allowance for loan losses | 2,754,000 | 2,697,000 | 3,019,000 | 2,767,000 |
| Securities available for sale | 154,598,000 | 158,329,000 | 154,048,000 | 170,451,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 390,603,000 | 384,577,000 | 376,975,000 | 389,036,000 |
| Interest-bearing deposits | 360,885,000 | 351,238,000 | 345,919,000 | 356,159,000 |
| Noninterest-bearing deposits | 29,718,000 | 33,339,000 | 31,056,000 | 32,877,000 |
| Equity capital | 43,729,000 | 48,738,000 | 47,768,000 | 48,898,000 |
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 | 5,902,000 | 12,547,000 | 18,677,000 | 24,781,000 |
| Interest expense | 2,433,000 | 5,187,000 | 7,680,000 | 9,874,000 |
| Net interest income | 3,469,000 | 7,360,000 | 10,997,000 | 14,907,000 |
| Noninterest income | 922,000 | 1,851,000 | 2,619,000 | 3,797,000 |
| Noninterest expense | 2,835,000 | 6,318,000 | 9,675,000 | 12,973,000 |
| Provision for loan losses | 0 | 0 | 450,000 | 450,000 |
| Pretax income | 1,556,000 | 2,943,000 | 3,814,000 | 5,521,000 |
| Income tax | 449,000 | 809,000 | 963,000 | 1,333,000 |
| Net income | 1,107,000 | 2,134,000 | 2,851,000 | 4,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,568,000 | 35,276,000 | 37,323,000 | 39,308,000 |
| Total capital | 36,321,000 | 37,973,000 | 40,342,000 | 42,076,000 |
| Risk-weighted assets | 327,195,000 | 316,601,000 | 312,683,000 | 310,818,000 |