Call reports 2003
UNION STATE BANK — 2003
What UNION STATE 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 | 268,885,000 | 269,074,000 | 258,589,000 | 254,278,000 |
| Total loans | 122,683,000 | 115,409,000 | 114,412,000 | 114,043,000 |
| Allowance for loan losses | 2,006,000 | 2,152,000 | 2,242,000 | 2,233,000 |
| Securities available for sale | 21,128,000 | 28,464,000 | 39,963,000 | 79,610,000 |
| Securities held to maturity | 91,171,000 | 89,158,000 | 76,905,000 | 33,743,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,695,000 | 239,120,000 | 229,392,000 | 224,542,000 |
| Interest-bearing deposits | 196,110,000 | 193,864,000 | 186,669,000 | 184,368,000 |
| Noninterest-bearing deposits | 43,585,000 | 45,256,000 | 42,723,000 | 40,174,000 |
| Equity capital | 27,441,000 | 27,809,000 | 27,655,000 | 27,591,000 |
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 | 3,658,000 | 7,095,000 | 10,228,000 | 13,385,000 |
| Interest expense | 1,616,000 | 3,125,000 | 4,560,000 | 5,923,000 |
| Net interest income | 2,042,000 | 3,970,000 | 5,668,000 | 7,462,000 |
| Noninterest income | 460,000 | 904,000 | 1,381,000 | 1,766,000 |
| Noninterest expense | 1,772,000 | 3,529,000 | 5,281,000 | 7,152,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 500,000 |
| Pretax income | 672,000 | 1,305,000 | 1,608,000 | 1,912,000 |
| Income tax | 181,000 | 375,000 | 468,000 | 591,000 |
| Net income | 491,000 | 930,000 | 1,140,000 | 1,321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,349,000 | 27,698,000 | 27,893,000 | 27,936,000 |
| Total capital | 29,239,000 | 29,478,000 | 29,677,000 | 29,719,000 |
| Risk-weighted assets | 151,074,000 | 142,053,000 | 142,260,000 | 142,227,000 |