Call reports 2003
UNION STATE BANK — 2003
What UNION STATE 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 | 17,287,000 | 16,975,000 | 17,718,000 | 18,040,000 |
| Total loans | 8,355,000 | 8,306,000 | 8,193,000 | 8,544,000 |
| Allowance for loan losses | 111,000 | 107,000 | 107,000 | 109,000 |
| Securities available for sale | 6,747,000 | 6,073,000 | 6,957,000 | 6,720,000 |
| Securities held to maturity | 1,398,000 | 1,397,000 | 1,347,000 | 1,432,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,182,000 | 13,825,000 | 14,566,000 | 14,869,000 |
| Interest-bearing deposits | 11,984,000 | 11,618,000 | 11,982,000 | 12,389,000 |
| Noninterest-bearing deposits | 2,198,000 | 2,207,000 | 2,584,000 | 2,480,000 |
| Equity capital | 3,020,000 | 3,084,000 | 3,076,000 | 3,120,000 |
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 | 245,000 | 484,000 | 726,000 | 961,000 |
| Interest expense | 81,000 | 160,000 | 229,000 | 296,000 |
| Net interest income | 164,000 | 324,000 | 497,000 | 665,000 |
| Noninterest income | 16,000 | 36,000 | 53,000 | 70,000 |
| Noninterest expense | 115,000 | 219,000 | 340,000 | 457,000 |
| Provision for loan losses | 0 | 0 | 0 | 7,000 |
| Pretax income | 65,000 | 141,000 | 210,000 | 271,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 8,000 |
| Net income | 63,000 | 137,000 | 204,000 | 263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,951,000 | 3,000,000 | 3,042,000 | 3,076,000 |
| Total capital | 3,062,000 | 3,107,000 | 3,149,000 | 3,185,000 |
| Risk-weighted assets | 9,665,000 | 9,548,000 | 9,633,000 | 9,992,000 |