Call reports 2003
UWHARRIE BANK — 2003
What UWHARRIE 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 | 234,857,000 | 231,746,000 | 227,292,000 | 232,403,000 |
| Total loans | 189,745,000 | 185,497,000 | 186,601,000 | 190,925,000 |
| Allowance for loan losses | 2,565,000 | 2,453,000 | 2,488,000 | 2,561,000 |
| Securities available for sale | 22,324,000 | 20,782,000 | 20,910,000 | 19,976,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,282,000 | 160,462,000 | 163,787,000 | 168,106,000 |
| Interest-bearing deposits | 142,766,000 | 133,520,000 | 136,591,000 | 140,174,000 |
| Noninterest-bearing deposits | 29,516,000 | 26,942,000 | 27,196,000 | 27,932,000 |
| Equity capital | 19,647,000 | 20,447,000 | 20,781,000 | 20,433,000 |
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 | 3,233,000 | 6,377,000 | 9,432,000 | 12,424,000 |
| Interest expense | 994,000 | 1,922,000 | 2,774,000 | 3,591,000 |
| Net interest income | 2,239,000 | 4,455,000 | 6,658,000 | 8,833,000 |
| Noninterest income | 1,164,000 | 2,277,000 | 3,381,000 | 4,303,000 |
| Noninterest expense | 2,673,000 | 5,062,000 | 7,544,000 | 9,887,000 |
| Provision for loan losses | 90,000 | 190,000 | 240,000 | 365,000 |
| Pretax income | 640,000 | 1,480,000 | 2,255,000 | 3,013,000 |
| Income tax | 164,000 | 386,000 | 585,000 | 811,000 |
| Net income | 476,000 | 1,094,000 | 1,670,000 | 2,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,652,000 | 19,150,000 | 19,784,000 | 19,454,000 |
| Total capital | 21,022,000 | 21,440,000 | 22,147,000 | 21,875,000 |
| Risk-weighted assets | 188,712,000 | 182,325,000 | 188,174,000 | 192,693,000 |