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 | 114,167,000 | 116,448,000 | 119,620,000 | 120,718,000 |
| Total loans | 46,135,000 | 49,279,000 | 51,688,000 | 48,043,000 |
| Allowance for loan losses | 751,000 | 792,000 | 801,000 | 922,000 |
| Securities available for sale | 54,532,000 | 55,129,000 | 58,893,000 | 64,339,000 |
| Securities held to maturity | 9,176,000 | 7,056,000 | 5,114,000 | 4,081,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,789,000 | 67,359,000 | 66,898,000 | 73,723,000 |
| Interest-bearing deposits | 63,832,000 | 62,260,000 | 61,669,000 | 67,797,000 |
| Noninterest-bearing deposits | 4,956,000 | 5,099,000 | 5,229,000 | 5,926,000 |
| Equity capital | 12,845,000 | 13,203,000 | 12,713,000 | 12,811,000 |
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 | 1,577,000 | 3,119,000 | 4,614,000 | 6,160,000 |
| Interest expense | 666,000 | 1,337,000 | 1,992,000 | 2,633,000 |
| Net interest income | 911,000 | 1,782,000 | 2,622,000 | 3,527,000 |
| Noninterest income | 135,000 | 304,000 | 469,000 | 540,000 |
| Noninterest expense | 593,000 | 1,221,000 | 1,848,000 | 2,455,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 220,000 |
| Pretax income | 491,000 | 873,000 | 1,221,000 | 1,460,000 |
| Income tax | 168,000 | 288,000 | 392,000 | 466,000 |
| Net income | 323,000 | 585,000 | 829,000 | 994,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,315,000 | 12,396,000 | 12,461,000 | 12,446,000 |
| Total capital | 12,993,000 | 13,120,000 | 13,237,000 | 13,187,000 |
| Risk-weighted assets | 54,012,000 | 57,862,000 | 62,038,000 | 59,104,000 |