Call reports 2003
UNION PLANTERS BANK OF THE LAKEWAY AREA — 2003
What UNION PLANTERS BANK OF THE LAKEWAY AREA 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 | 163,622,000 | 159,275,000 | 139,259,000 | 137,886,000 |
| Total loans | 89,888,000 | 83,892,000 | 71,311,000 | 68,886,000 |
| Allowance for loan losses | 1,764,000 | 1,764,000 | 1,764,000 | 1,764,000 |
| Securities available for sale | 5,817,000 | 5,000,000 | 4,808,000 | 4,633,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,425,000 | 142,017,000 | 121,603,000 | 119,111,000 |
| Interest-bearing deposits | 124,833,000 | 122,372,000 | 101,467,000 | 97,725,000 |
| Noninterest-bearing deposits | 20,592,000 | 19,645,000 | 20,136,000 | 21,386,000 |
| Equity capital | 15,741,000 | 14,593,000 | 14,909,000 | 15,451,000 |
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 | 1,741,000 | 3,395,000 | 4,808,000 | 6,200,000 |
| Interest expense | 425,000 | 902,000 | 1,220,000 | 1,475,000 |
| Net interest income | 1,316,000 | 2,493,000 | 3,588,000 | 4,725,000 |
| Noninterest income | 491,000 | 888,000 | 1,412,000 | 1,945,000 |
| Noninterest expense | 1,078,000 | 2,126,000 | 3,127,000 | 3,851,000 |
| Provision for loan losses | 268,000 | 343,000 | 377,000 | 371,000 |
| Pretax income | 461,000 | 912,000 | 1,496,000 | 2,448,000 |
| Income tax | 175,000 | 318,000 | 564,000 | 960,000 |
| Net income | 286,000 | 594,000 | 932,000 | 1,488,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,681,000 | 13,548,000 | 13,885,000 | 14,442,000 |
| Total capital | 15,947,000 | 14,745,000 | 14,924,000 | 15,475,000 |
| Risk-weighted assets | 100,778,000 | 95,132,000 | 82,404,000 | 81,875,000 |