Call reports 2003
NATIONAL UNITED — 2003
What NATIONAL UNITED 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 | 296,750,000 | 300,033,000 | 299,207,000 | 304,243,000 |
| Total loans | 186,796,000 | 191,871,000 | 197,777,000 | 202,745,000 |
| Allowance for loan losses | 2,402,000 | 2,710,000 | 2,707,000 | 2,523,000 |
| Securities available for sale | 50,126,000 | 61,034,000 | 57,817,000 | 51,112,000 |
| Securities held to maturity | 13,765,000 | 13,951,000 | 13,003,000 | 12,231,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,766,000 | 269,724,000 | 268,708,000 | 274,453,000 |
| Interest-bearing deposits | 201,956,000 | 201,840,000 | 200,259,000 | 207,536,000 |
| Noninterest-bearing deposits | 64,810,000 | 67,884,000 | 68,449,000 | 66,917,000 |
| Equity capital | 28,437,000 | 28,831,000 | 29,101,000 | 29,110,000 |
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 | 4,034,000 | 8,133,000 | 12,111,000 | 16,108,000 |
| Interest expense | 942,000 | 1,811,000 | 2,606,000 | 3,390,000 |
| Net interest income | 3,092,000 | 6,322,000 | 9,505,000 | 12,718,000 |
| Noninterest income | 1,537,000 | 3,208,000 | 4,865,000 | 6,494,000 |
| Noninterest expense | 2,859,000 | 5,857,000 | 8,914,000 | 12,066,000 |
| Provision for loan losses | 264,000 | 824,000 | 970,000 | 1,246,000 |
| Pretax income | 1,506,000 | 2,843,000 | 4,480,000 | 5,894,000 |
| Income tax | 446,000 | 855,000 | 1,310,000 | 1,766,000 |
| Net income | 1,060,000 | 1,988,000 | 3,170,000 | 4,128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,434,000 | 27,915,000 | 28,645,000 | 28,688,000 |
| Total capital | 29,836,000 | 30,567,000 | 31,352,000 | 31,211,000 |
| Risk-weighted assets | 197,079,000 | 212,140,000 | 219,044,000 | 205,374,000 |