Call reports 2003
UNION BANK, THE — 2003
What UNION BANK, THE 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 | 35,964,000 | 36,504,000 | 36,330,000 | 36,345,000 |
| Total loans | 25,749,000 | 26,826,000 | 27,634,000 | 27,802,000 |
| Allowance for loan losses | 345,000 | 366,000 | 382,000 | 363,000 |
| Securities available for sale | 3,014,000 | 2,410,000 | 2,373,000 | 2,350,000 |
| Securities held to maturity | 1,110,000 | 1,740,000 | 1,970,000 | 2,312,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,722,000 | 33,208,000 | 32,953,000 | 32,474,000 |
| Interest-bearing deposits | 29,142,000 | 29,489,000 | 28,809,000 | 28,388,000 |
| Noninterest-bearing deposits | 3,580,000 | 3,719,000 | 4,144,000 | 4,086,000 |
| Equity capital | 2,912,000 | 3,004,000 | 3,057,000 | 3,102,000 |
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 | 549,000 | 1,089,000 | 1,632,000 | 2,171,000 |
| Interest expense | 199,000 | 384,000 | 553,000 | 711,000 |
| Net interest income | 350,000 | 705,000 | 1,079,000 | 1,460,000 |
| Noninterest income | 46,000 | 86,000 | 133,000 | 180,000 |
| Noninterest expense | 264,000 | 508,000 | 785,000 | 1,084,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 54,000 |
| Pretax income | 114,000 | 247,000 | 373,000 | 502,000 |
| Income tax | 49,000 | 98,000 | 135,000 | 149,000 |
| Net income | 65,000 | 149,000 | 238,000 | 353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,874,000 | 2,961,000 | 3,026,000 | 3,075,000 |
| Total capital | 3,219,000 | 3,327,000 | 3,400,000 | 3,438,000 |
| Risk-weighted assets | 27,387,000 | 28,969,000 | 30,436,000 | 29,683,000 |