Call reports 2003
UNION COLONY BANK — 2003
What UNION COLONY 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 | 395,444,000 | 413,047,000 | 418,583,000 | 420,459,000 |
| Total loans | 269,876,000 | 291,700,000 | 293,924,000 | 293,965,000 |
| Allowance for loan losses | 4,365,000 | 4,786,000 | 5,055,000 | 4,697,000 |
| Securities available for sale | 2,274,000 | 1,760,000 | 1,042,000 | 1,032,000 |
| Securities held to maturity | 71,243,000 | 65,875,000 | 59,080,000 | 54,478,000 |
| Trading assets | 0 | 0 | 0 | 1,702,000 |
| Total deposits | 320,401,000 | 353,488,000 | 359,922,000 | 359,893,000 |
| Interest-bearing deposits | 292,581,000 | 332,525,000 | 340,305,000 | 350,765,000 |
| Noninterest-bearing deposits | 27,820,000 | 20,963,000 | 19,617,000 | 9,128,000 |
| Equity capital | 41,826,000 | 42,258,000 | 42,825,000 | 43,988,000 |
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 | 5,994,000 | 11,980,000 | 17,858,000 | 23,608,000 |
| Interest expense | 1,719,000 | 3,355,000 | 4,967,000 | 6,457,000 |
| Net interest income | 4,275,000 | 8,625,000 | 12,891,000 | 17,151,000 |
| Noninterest income | 776,000 | 1,720,000 | 3,522,000 | 4,167,000 |
| Noninterest expense | 2,715,000 | 5,945,000 | 9,910,000 | 13,497,000 |
| Provision for loan losses | 1,302,000 | 2,724,000 | 3,930,000 | 4,398,000 |
| Pretax income | 1,034,000 | 1,676,000 | 2,573,000 | 3,423,000 |
| Income tax | 363,000 | 564,000 | 883,000 | 1,152,000 |
| Net income | 671,000 | 1,112,000 | 1,690,000 | 2,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,683,000 | 29,158,000 | 29,769,000 | 30,964,000 |
| Total capital | 32,456,000 | 33,140,000 | 34,020,000 | 35,097,000 |
| Risk-weighted assets | 301,169,000 | 317,737,000 | 339,297,000 | 330,098,000 |