Call reports 2003
UNISON BANK — 2003
What UNISON 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 | 124,421,000 | 121,558,000 | 119,902,000 | 128,288,000 |
| Total loans | 82,318,000 | 86,853,000 | 85,179,000 | 82,969,000 |
| Allowance for loan losses | 1,438,000 | 1,274,000 | 1,298,000 | 1,333,000 |
| Securities available for sale | 25,407,000 | 24,317,000 | 24,063,000 | 31,440,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,863,000 | 103,153,000 | 102,724,000 | 111,390,000 |
| Interest-bearing deposits | 93,254,000 | 87,870,000 | 87,729,000 | 89,412,000 |
| Noninterest-bearing deposits | 15,609,000 | 15,283,000 | 14,995,000 | 21,978,000 |
| Equity capital | 14,757,000 | 15,066,000 | 15,163,000 | 14,886,000 |
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 | 1,806,000 | 3,459,000 | 5,080,000 | 6,657,000 |
| Interest expense | 558,000 | 1,070,000 | 1,561,000 | 2,022,000 |
| Net interest income | 1,248,000 | 2,389,000 | 3,519,000 | 4,635,000 |
| Noninterest income | 108,000 | 219,000 | 332,000 | 436,000 |
| Noninterest expense | 744,000 | 1,484,000 | 2,279,000 | 3,056,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 552,000 | 1,004,000 | 1,392,000 | 1,775,000 |
| Income tax | 214,000 | 388,000 | 540,000 | 694,000 |
| Net income | 338,000 | 616,000 | 852,000 | 1,081,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,252,000 | 10,567,000 | 10,781,000 | 10,447,000 |
| Total capital | 11,368,000 | 11,704,000 | 11,890,000 | 11,564,000 |
| Risk-weighted assets | 88,945,000 | 90,802,000 | 88,509,000 | 89,116,000 |