Call reports 2003
UNION COUNTY NATIONAL BANK OF LIBERTY, THE — 2003
What UNION COUNTY NATIONAL BANK OF LIBERTY, 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 | 200,049,000 | 197,703,000 | 193,554,000 | 192,429,000 |
| Total loans | 162,998,000 | 162,490,000 | 159,316,000 | 158,767,000 |
| Allowance for loan losses | 1,576,000 | 1,597,000 | 1,586,000 | 1,612,000 |
| Securities available for sale | 27,324,000 | 24,727,000 | 21,761,000 | 21,865,000 |
| Securities held to maturity | 81,000 | 73,000 | 65,000 | 58,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,134,000 | 151,570,000 | 148,335,000 | 152,500,000 |
| Interest-bearing deposits | 149,045,000 | 134,849,000 | 131,467,000 | 135,389,000 |
| Noninterest-bearing deposits | 11,089,000 | 16,721,000 | 16,869,000 | 17,111,000 |
| Equity capital | 15,711,000 | 14,492,000 | 14,510,000 | 14,504,000 |
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 | 2,879,000 | 5,679,000 | 8,320,000 | 10,899,000 |
| Interest expense | 1,083,000 | 2,070,000 | 3,012,000 | 3,924,000 |
| Net interest income | 1,796,000 | 3,609,000 | 5,308,000 | 6,975,000 |
| Noninterest income | 384,000 | 839,000 | 1,359,000 | 1,769,000 |
| Noninterest expense | 1,185,000 | 2,422,000 | 3,575,000 | 5,290,000 |
| Provision for loan losses | 180,000 | 360,000 | 500,000 | 520,000 |
| Pretax income | 815,000 | 1,660,000 | 2,586,000 | 2,928,000 |
| Income tax | 266,000 | 544,000 | 844,000 | 918,000 |
| Net income | 549,000 | 1,116,000 | 1,742,000 | 2,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,227,000 | 13,873,000 | 14,399,000 | 14,067,000 |
| Total capital | 16,803,000 | 15,470,000 | 15,985,000 | 15,679,000 |
| Risk-weighted assets | 137,969,000 | 141,603,000 | 139,500,000 | 137,901,000 |