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 | 142,442,000 | 150,088,000 | 146,505,000 | 145,173,000 |
| Total loans | 92,969,000 | 92,325,000 | 92,599,000 | 93,088,000 |
| Allowance for loan losses | 1,549,000 | 1,605,000 | 1,642,000 | 1,705,000 |
| Securities available for sale | 37,521,000 | 49,431,000 | 45,731,000 | 44,341,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,528,000 | 121,370,000 | 120,126,000 | 118,702,000 |
| Interest-bearing deposits | 102,592,000 | 101,128,000 | 98,837,000 | 97,107,000 |
| Noninterest-bearing deposits | 18,936,000 | 20,242,000 | 21,289,000 | 21,595,000 |
| Equity capital | 14,450,000 | 14,653,000 | 14,650,000 | 14,124,000 |
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 | 2,045,000 | 4,061,000 | 6,046,000 | 8,027,000 |
| Interest expense | 533,000 | 1,037,000 | 1,512,000 | 1,916,000 |
| Net interest income | 1,512,000 | 3,024,000 | 4,534,000 | 6,111,000 |
| Noninterest income | 260,000 | 514,000 | 838,000 | 1,072,000 |
| Noninterest expense | 1,033,000 | 2,127,000 | 3,223,000 | 4,319,000 |
| Provision for loan losses | 163,000 | 205,000 | 268,000 | 387,000 |
| Pretax income | 658,000 | 1,289,000 | 1,964,000 | 2,559,000 |
| Income tax | 5,000 | 27,000 | 37,000 | 46,000 |
| Net income | 653,000 | 1,262,000 | 1,927,000 | 2,513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,326,000 | 14,398,000 | 14,813,000 | 14,299,000 |
| Total capital | 15,400,000 | 15,484,000 | 15,886,000 | 15,381,000 |
| Risk-weighted assets | 85,461,000 | 86,330,000 | 85,296,000 | 85,138,000 |