Call reports 2003
UNIBANK FOR SAVINGS — 2003
What UNIBANK FOR SAVINGS 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 | 603,113,000 | 631,477,000 | 611,744,000 | 599,269,000 |
| Total loans | 213,833,000 | 218,821,000 | 226,759,000 | 231,435,000 |
| Allowance for loan losses | 5,172,000 | 5,193,000 | 5,196,000 | 5,177,000 |
| Securities available for sale | 205,721,000 | 179,113,000 | 176,821,000 | 159,695,000 |
| Securities held to maturity | 103,804,000 | 105,141,000 | 114,281,000 | 112,447,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 548,324,000 | 573,707,000 | 553,046,000 | 539,099,000 |
| Interest-bearing deposits | 509,116,000 | 530,602,000 | 486,562,000 | 474,113,000 |
| Noninterest-bearing deposits | 39,208,000 | 43,105,000 | 66,484,000 | 64,986,000 |
| Equity capital | 42,934,000 | 44,586,000 | 45,203,000 | 46,159,000 |
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 | 5,809,000 | 11,516,000 | 17,077,000 | 22,551,000 |
| Interest expense | 1,600,000 | 3,138,000 | 4,415,000 | 5,516,000 |
| Net interest income | 4,209,000 | 8,378,000 | 12,662,000 | 17,035,000 |
| Noninterest income | 2,061,000 | 4,911,000 | 7,004,000 | 8,915,000 |
| Noninterest expense | 4,966,000 | 10,352,000 | 15,385,000 | 20,137,000 |
| Provision for loan losses | 30,000 | 60,000 | 80,000 | 80,000 |
| Pretax income | 1,274,000 | 2,923,000 | 4,232,000 | 5,794,000 |
| Income tax | 436,000 | 1,038,000 | 1,507,000 | 2,066,000 |
| Net income | 838,000 | 1,885,000 | 2,725,000 | 3,728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,001,000 | 37,077,000 | 37,945,000 | 38,980,000 |
| Total capital | 40,296,000 | 41,975,000 | 42,936,000 | 44,253,000 |
| Risk-weighted assets | 331,845,000 | 344,172,000 | 345,502,000 | 346,892,000 |