Call reports 2003
UNB BANK — 2003
What UNB 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 | 100,724,000 | 101,792,000 | 99,308,000 | 98,401,000 |
| Total loans | 62,314,000 | 59,538,000 | 57,760,000 | 58,079,000 |
| Allowance for loan losses | 651,000 | 742,000 | 487,000 | 473,000 |
| Securities available for sale | 29,459,000 | 34,500,000 | 34,017,000 | 32,029,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,180,000 | 91,145,000 | 89,280,000 | 88,702,000 |
| Interest-bearing deposits | 80,950,000 | 82,090,000 | 79,870,000 | 79,352,000 |
| Noninterest-bearing deposits | 9,230,000 | 9,055,000 | 9,410,000 | 9,350,000 |
| Equity capital | 9,140,000 | 9,139,000 | 8,834,000 | 8,596,000 |
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 | 1,368,000 | 2,638,000 | 3,874,000 | 5,208,000 |
| Interest expense | 576,000 | 1,116,000 | 1,615,000 | 2,077,000 |
| Net interest income | 792,000 | 1,522,000 | 2,259,000 | 3,131,000 |
| Noninterest income | 73,000 | 206,000 | 284,000 | 377,000 |
| Noninterest expense | 668,000 | 1,334,000 | 2,061,000 | 2,705,000 |
| Provision for loan losses | 45,000 | 140,000 | 185,000 | 585,000 |
| Pretax income | 438,000 | 540,000 | 697,000 | 618,000 |
| Income tax | 126,000 | 148,000 | 190,000 | 161,000 |
| Net income | 312,000 | 392,000 | 507,000 | 457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,761,000 | 8,770,000 | 8,885,000 | 8,685,000 |
| Total capital | 9,412,000 | 9,506,000 | 9,372,000 | 9,158,000 |
| Risk-weighted assets | 60,104,000 | 58,829,000 | 56,681,000 | 56,069,000 |