Call reports 2003
UNION BANK OF FLORIDA — 2003
What UNION BANK OF FLORIDA 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 | 776,624,000 | 846,942,000 | 859,270,000 | 907,834,000 |
| Total loans | 456,010,000 | 505,762,000 | 524,663,000 | 552,658,000 |
| Allowance for loan losses | 5,021,000 | 5,199,000 | 5,678,000 | 5,629,000 |
| Securities available for sale | 243,724,000 | 240,628,000 | 245,329,000 | 263,903,000 |
| Securities held to maturity | 2,000 | 2,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 495,991,000 | 528,330,000 | 575,724,000 | 633,979,000 |
| Interest-bearing deposits | 352,288,000 | 372,253,000 | 403,671,000 | 439,062,000 |
| Noninterest-bearing deposits | 143,703,000 | 156,077,000 | 172,053,000 | 194,916,000 |
| Equity capital | 67,005,000 | 62,850,000 | 62,931,000 | 67,154,000 |
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 | 9,482,000 | 18,437,000 | 27,432,000 | 36,608,000 |
| Interest expense | 2,324,000 | 4,774,000 | 7,024,000 | 9,166,000 |
| Net interest income | 7,158,000 | 13,663,000 | 20,408,000 | 27,442,000 |
| Noninterest income | 992,000 | 2,141,000 | 3,467,000 | 4,695,000 |
| Noninterest expense | 5,059,000 | 10,431,000 | 15,946,000 | 20,789,000 |
| Provision for loan losses | 534,000 | 831,000 | 1,317,000 | 1,635,000 |
| Pretax income | 2,557,000 | 4,543,000 | 7,174,000 | 10,267,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,557,000 | 4,543,000 | 7,174,000 | 10,267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,051,000 | 62,329,000 | 63,294,000 | 66,181,000 |
| Total capital | 70,072,000 | 67,528,000 | 68,972,000 | 71,810,000 |
| Risk-weighted assets | 558,557,000 | 632,786,000 | 655,596,000 | 682,307,000 |