Call reports 2003
UNION BANK, INC. — 2003
What UNION BANK, INC. 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 | 66,865,000 | 68,563,000 | 68,740,000 | 69,454,000 |
| Total loans | 41,028,000 | 40,620,000 | 41,110,000 | 40,859,000 |
| Allowance for loan losses | 604,000 | 625,000 | 644,000 | 662,000 |
| Securities available for sale | 12,807,000 | 16,958,000 | 17,217,000 | 18,601,000 |
| Securities held to maturity | 823,000 | 723,000 | 518,000 | 293,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,209,000 | 57,456,000 | 57,066,000 | 56,703,000 |
| Interest-bearing deposits | 50,730,000 | 52,310,000 | 51,915,000 | 51,426,000 |
| Noninterest-bearing deposits | 5,479,000 | 5,146,000 | 5,151,000 | 5,277,000 |
| Equity capital | 8,754,000 | 8,990,000 | 8,915,000 | 9,035,000 |
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 | 944,000 | 1,917,000 | 2,887,000 | 3,840,000 |
| Interest expense | 298,000 | 591,000 | 854,000 | 1,100,000 |
| Net interest income | 646,000 | 1,326,000 | 2,033,000 | 2,740,000 |
| Noninterest income | 78,000 | 176,000 | 247,000 | 295,000 |
| Noninterest expense | 542,000 | 1,044,000 | 1,546,000 | 2,049,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 171,000 | 417,000 | 663,000 | 888,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 171,000 | 417,000 | 663,000 | 888,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,283,000 | 4,551,000 | 4,658,000 | 4,759,000 |
| Total capital | 4,808,000 | 5,079,000 | 5,188,000 | 5,282,000 |
| Risk-weighted assets | 41,913,000 | 42,139,000 | 42,549,000 | 41,709,000 |