Call reports 2003
UNION SAVINGS BANK — 2003
What UNION SAVINGS 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 | 1,256,434,000 | 1,281,647,000 | 1,309,748,000 | 1,283,645,000 |
| Total loans | 773,228,000 | 804,927,000 | 836,651,000 | 855,386,000 |
| Allowance for loan losses | 7,741,000 | 7,748,000 | 7,714,000 | 7,736,000 |
| Securities available for sale | 154,100,000 | 113,387,000 | 146,089,000 | 145,171,000 |
| Securities held to maturity | 207,991,000 | 192,614,000 | 187,656,000 | 173,723,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 870,284,000 | 889,382,000 | 910,264,000 | 898,514,000 |
| Interest-bearing deposits | 854,760,000 | 872,989,000 | 895,230,000 | 881,064,000 |
| Noninterest-bearing deposits | 15,524,000 | 16,393,000 | 15,034,000 | 17,450,000 |
| Equity capital | 113,013,000 | 116,702,000 | 119,108,000 | 121,887,000 |
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 | 16,927,000 | 34,028,000 | 50,424,000 | 67,016,000 |
| Interest expense | 6,048,000 | 11,914,000 | 17,537,000 | 22,885,000 |
| Net interest income | 10,879,000 | 22,114,000 | 32,887,000 | 44,131,000 |
| Noninterest income | 1,283,000 | 2,565,000 | 3,955,000 | 5,283,000 |
| Noninterest expense | 7,637,000 | 15,197,000 | 23,131,000 | 31,225,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,536,000 | 9,305,000 | 13,534,000 | 18,012,000 |
| Income tax | 1,548,000 | 3,251,000 | 4,724,000 | 5,989,000 |
| Net income | 2,988,000 | 6,054,000 | 8,810,000 | 12,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 106,070,000 | 109,480,000 | 112,582,000 | 116,276,000 |
| Total capital | 113,811,000 | 117,228,000 | 120,296,000 | 124,012,000 |
| Risk-weighted assets | 733,714,000 | 745,434,000 | 772,914,000 | 772,387,000 |