Call reports 2003
UNITED BANK OF UNION — 2003
What UNITED BANK OF UNION 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 | 188,846,000 | 203,165,000 | 204,559,000 | 204,571,000 |
| Total loans | 146,511,000 | 149,375,000 | 147,998,000 | 150,254,000 |
| Allowance for loan losses | 1,966,000 | 2,085,000 | 2,025,000 | 1,524,000 |
| Securities available for sale | 29,459,000 | 36,747,000 | 38,278,000 | 37,969,000 |
| Securities held to maturity | 3,308,000 | 3,592,000 | 3,592,000 | 3,573,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,757,000 | 177,910,000 | 177,680,000 | 164,433,000 |
| Interest-bearing deposits | 143,671,000 | 154,006,000 | 151,151,000 | 140,323,000 |
| Noninterest-bearing deposits | 20,086,000 | 23,904,000 | 26,529,000 | 24,110,000 |
| Equity capital | 16,883,000 | 17,730,000 | 18,122,000 | 17,033,000 |
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 | 2,895,000 | 5,871,000 | 8,718,000 | 11,399,000 |
| Interest expense | 1,012,000 | 2,009,000 | 2,958,000 | 3,779,000 |
| Net interest income | 1,883,000 | 3,862,000 | 5,760,000 | 7,620,000 |
| Noninterest income | 399,000 | 942,000 | 1,593,000 | 1,984,000 |
| Noninterest expense | 1,260,000 | 2,541,000 | 3,798,000 | 5,057,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 2,075,000 |
| Pretax income | 872,000 | 1,963,000 | 3,105,000 | 2,472,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 872,000 | 1,963,000 | 3,105,000 | 2,472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,366,000 | 17,077,000 | 17,817,000 | 16,788,000 |
| Total capital | 18,205,000 | 18,914,000 | 19,628,000 | 18,312,000 |
| Risk-weighted assets | 146,973,000 | 146,678,000 | 144,690,000 | 149,574,000 |