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 | 30,300,000 | 29,628,000 | 31,145,000 | 30,600,000 |
| Total loans | 20,063,000 | 20,449,000 | 20,262,000 | 19,422,000 |
| Allowance for loan losses | 326,000 | 322,000 | 360,000 | 267,000 |
| Securities available for sale | 3,677,000 | 3,021,000 | 3,164,000 | 3,095,000 |
| Securities held to maturity | 1,337,000 | 1,336,000 | 1,215,000 | 1,379,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,635,000 | 22,653,000 | 24,276,000 | 24,264,000 |
| Interest-bearing deposits | 21,551,000 | 20,547,000 | 22,295,000 | 21,751,000 |
| Noninterest-bearing deposits | 2,084,000 | 2,106,000 | 1,981,000 | 2,513,000 |
| Equity capital | 2,344,000 | 2,364,000 | 2,354,000 | 2,305,000 |
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 | 432,000 | 855,000 | 1,275,000 | 1,669,000 |
| Interest expense | 173,000 | 334,000 | 484,000 | 629,000 |
| Net interest income | 259,000 | 521,000 | 791,000 | 1,040,000 |
| Noninterest income | 62,000 | 137,000 | 217,000 | 289,000 |
| Noninterest expense | 252,000 | 491,000 | 738,000 | 1,041,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 100,000 |
| Pretax income | 69,000 | 167,000 | 224,000 | 206,000 |
| Income tax | 0 | 2,000 | 5,000 | 2,000 |
| Net income | 69,000 | 165,000 | 219,000 | 204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,282,000 | 2,300,000 | 2,314,000 | 2,277,000 |
| Total capital | 2,526,000 | 2,547,000 | 2,566,000 | 2,522,000 |
| Risk-weighted assets | 19,458,000 | 19,735,000 | 20,065,000 | 19,594,000 |