Call reports 2003
UNION BANK — 2003
What UNION 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 | 231,677,000 | 335,624,000 | 352,633,000 | 356,304,000 |
| Total loans | 179,452,000 | 258,313,000 | 276,346,000 | 271,562,000 |
| Allowance for loan losses | 1,822,000 | 2,993,000 | 3,032,000 | 3,029,000 |
| Securities available for sale | 24,215,000 | 37,678,000 | 38,317,000 | 44,370,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,692,000 | 285,596,000 | 302,693,000 | 306,689,000 |
| Interest-bearing deposits | 165,639,000 | 243,708,000 | 253,658,000 | 257,016,000 |
| Noninterest-bearing deposits | 30,053,000 | 41,888,000 | 49,035,000 | 49,673,000 |
| Equity capital | 27,709,000 | 39,455,000 | 39,572,000 | 40,165,000 |
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 | 3,538,000 | 10,250,000 | 15,331,000 | 20,372,000 |
| Interest expense | 733,000 | 2,310,000 | 3,290,000 | 4,208,000 |
| Net interest income | 2,805,000 | 7,940,000 | 12,041,000 | 16,164,000 |
| Noninterest income | 729,000 | 1,641,000 | 2,475,000 | 3,537,000 |
| Noninterest expense | 1,998,000 | 5,956,000 | 8,827,000 | 11,640,000 |
| Provision for loan losses | 21,000 | 84,000 | 114,000 | 114,000 |
| Pretax income | 1,515,000 | 3,541,000 | 5,575,000 | 7,947,000 |
| Income tax | 430,000 | 1,022,000 | 1,632,000 | 2,345,000 |
| Net income | 1,085,000 | 2,519,000 | 3,943,000 | 5,602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,333,000 | 38,370,000 | 38,786,000 | 39,404,000 |
| Total capital | 29,155,000 | 41,180,000 | 41,741,000 | 42,498,000 |
| Risk-weighted assets | 152,104,000 | 221,946,000 | 232,450,000 | 240,467,000 |