Call reports 2003
UNITED COMMUNITY BANK OF LISLE — 2003
What UNITED COMMUNITY BANK OF LISLE 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 | 187,680,000 | 201,040,000 | 201,370,000 | 211,473,000 |
| Total loans | 125,183,000 | 132,369,000 | 139,837,000 | 142,727,000 |
| Allowance for loan losses | 1,273,000 | 1,319,000 | 1,400,000 | 1,443,000 |
| Securities available for sale | 54,104,000 | 49,764,000 | 42,638,000 | 45,274,000 |
| Securities held to maturity | 0 | 5,233,000 | 6,977,000 | 11,280,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,924,000 | 163,640,000 | 165,232,000 | 173,908,000 |
| Interest-bearing deposits | 140,069,000 | 148,265,000 | 152,727,000 | 159,106,000 |
| Noninterest-bearing deposits | 13,856,000 | 15,375,000 | 12,505,000 | 14,802,000 |
| Equity capital | 16,730,000 | 17,704,000 | 18,225,000 | 18,674,000 |
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 | 2,294,000 | 4,617,000 | 6,942,000 | 9,578,000 |
| Interest expense | 920,000 | 1,840,000 | 2,694,000 | 3,550,000 |
| Net interest income | 1,374,000 | 2,777,000 | 4,248,000 | 6,028,000 |
| Noninterest income | 80,000 | 176,000 | 292,000 | 446,000 |
| Noninterest expense | 1,039,000 | 2,027,000 | 3,088,000 | 4,378,000 |
| Provision for loan losses | 0 | 145,000 | 490,000 | 680,000 |
| Pretax income | 412,000 | 718,000 | 916,000 | 1,373,000 |
| Income tax | 140,000 | 239,000 | 285,000 | 386,000 |
| Net income | 272,000 | 479,000 | 631,000 | 987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,132,000 | 17,515,000 | 18,146,000 | 18,647,000 |
| Total capital | 17,405,000 | 18,834,000 | 19,546,000 | 20,090,000 |
| Risk-weighted assets | 145,141,000 | 150,509,000 | 155,947,000 | 164,043,000 |