Call reports 2003
UNION STATE BANK — 2003
What UNION STATE 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 | 63,153,000 | 64,979,000 | 65,804,000 | 65,468,000 |
| Total loans | 41,483,000 | 43,237,000 | 44,973,000 | 43,251,000 |
| Allowance for loan losses | 472,000 | 468,000 | 475,000 | 461,000 |
| Securities available for sale | 16,803,000 | 16,835,000 | 15,575,000 | 16,655,000 |
| Securities held to maturity | 734,000 | 1,429,000 | 1,411,000 | 1,407,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,874,000 | 48,070,000 | 47,063,000 | 51,059,000 |
| Interest-bearing deposits | 41,862,000 | 42,661,000 | 40,957,000 | 43,897,000 |
| Noninterest-bearing deposits | 5,012,000 | 5,409,000 | 6,106,000 | 7,162,000 |
| Equity capital | 7,179,000 | 7,414,000 | 7,282,000 | 6,934,000 |
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 | 935,000 | 1,846,000 | 2,777,000 | 3,702,000 |
| Interest expense | 405,000 | 782,000 | 1,151,000 | 1,504,000 |
| Net interest income | 530,000 | 1,064,000 | 1,626,000 | 2,198,000 |
| Noninterest income | 37,000 | 70,000 | 125,000 | 214,000 |
| Noninterest expense | 326,000 | 674,000 | 1,007,000 | 1,391,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 199,000 | 418,000 | 951,000 | 1,228,000 |
| Income tax | 10,000 | 21,000 | 49,000 | 62,000 |
| Net income | 189,000 | 397,000 | 902,000 | 1,166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,615,000 | 6,709,000 | 7,089,000 | 6,848,000 |
| Total capital | 7,087,000 | 7,177,000 | 7,564,000 | 7,309,000 |
| Risk-weighted assets | 39,417,000 | 41,252,000 | 42,869,000 | 41,579,000 |