Call reports 2003
UNION TRUST COMPANY — 2003
What UNION TRUST COMPANY 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 | 379,339,000 | 395,196,000 | 416,287,000 | 456,194,000 |
| Total loans | 230,938,000 | 249,806,000 | 276,092,000 | 287,412,000 |
| Allowance for loan losses | 3,850,000 | 4,128,000 | 4,222,000 | 4,339,000 |
| Securities available for sale | 116,400,000 | 111,702,000 | 106,964,000 | 129,926,000 |
| Securities held to maturity | 3,069,000 | 3,066,000 | 2,993,000 | 2,870,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,862,000 | 278,271,000 | 302,603,000 | 298,613,000 |
| Interest-bearing deposits | 256,910,000 | 263,132,000 | 283,792,000 | 278,186,000 |
| Noninterest-bearing deposits | 14,952,000 | 15,139,000 | 18,811,000 | 20,427,000 |
| Equity capital | 32,132,000 | 33,172,000 | 32,689,000 | 34,164,000 |
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 | 4,927,000 | 9,934,000 | 15,028,000 | 20,459,000 |
| Interest expense | 1,490,000 | 2,994,000 | 4,420,000 | 5,950,000 |
| Net interest income | 3,437,000 | 6,940,000 | 10,608,000 | 14,509,000 |
| Noninterest income | 1,548,000 | 3,092,000 | 4,394,000 | 5,300,000 |
| Noninterest expense | 3,180,000 | 6,814,000 | 10,009,000 | 13,862,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 1,700,000 | 3,155,000 | 4,825,000 | 5,674,000 |
| Income tax | 480,000 | 895,000 | 1,442,000 | 1,760,000 |
| Net income | 1,220,000 | 2,260,000 | 3,383,000 | 3,914,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,758,000 | 30,402,000 | 31,185,000 | 32,563,000 |
| Total capital | 32,495,000 | 33,282,000 | 34,197,000 | 35,711,000 |
| Risk-weighted assets | 217,822,000 | 229,170,000 | 239,719,000 | 250,630,000 |