Call reports 2003
UNION BANK OF BENTON, THE — 2003
What UNION BANK OF BENTON, 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 | 230,146,000 | 217,088,000 | 216,802,000 | 221,048,000 |
| Total loans | 73,902,000 | 70,321,000 | 67,440,000 | 68,929,000 |
| Allowance for loan losses | 1,794,000 | 1,801,000 | 1,721,000 | 1,150,000 |
| Securities available for sale | 69,070,000 | 99,166,000 | 109,125,000 | 107,122,000 |
| Securities held to maturity | 30,453,000 | 24,120,000 | 23,929,000 | 23,096,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,401,000 | 172,734,000 | 173,508,000 | 183,309,000 |
| Interest-bearing deposits | 160,043,000 | 140,747,000 | 141,324,000 | 151,548,000 |
| Noninterest-bearing deposits | 31,358,000 | 31,986,000 | 32,184,000 | 31,761,000 |
| Equity capital | 20,599,000 | 21,737,000 | 20,225,000 | 20,824,000 |
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 | 2,692,000 | 5,418,000 | 8,262,000 | 10,917,000 |
| Interest expense | 787,000 | 1,543,000 | 2,185,000 | 2,795,000 |
| Net interest income | 1,905,000 | 3,875,000 | 6,077,000 | 8,122,000 |
| Noninterest income | 327,000 | 819,000 | 1,235,000 | 1,667,000 |
| Noninterest expense | 1,661,000 | 3,341,000 | 5,077,000 | 6,823,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 180,000 |
| Pretax income | 511,000 | 1,265,000 | 2,114,000 | 2,845,000 |
| Income tax | 105,000 | 283,000 | 493,000 | 667,000 |
| Net income | 406,000 | 982,000 | 1,621,000 | 2,178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,118,000 | 18,692,000 | 18,532,000 | 19,019,000 |
| Total capital | 20,091,000 | 20,566,000 | 20,455,000 | 21,006,000 |
| Risk-weighted assets | 94,532,000 | 90,635,000 | 89,227,000 | 93,701,000 |