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 | 111,038,000 | 117,364,000 | 127,057,000 | 129,737,000 |
| Total loans | 90,838,000 | 98,155,000 | 105,318,000 | 106,114,000 |
| Allowance for loan losses | 1,610,000 | 1,683,000 | 1,761,000 | 1,990,000 |
| Securities available for sale | 11,806,000 | 12,688,000 | 11,918,000 | 12,655,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,637,000 | 94,796,000 | 104,055,000 | 106,826,000 |
| Interest-bearing deposits | 80,528,000 | 83,614,000 | 93,706,000 | 95,074,000 |
| Noninterest-bearing deposits | 8,109,000 | 11,182,000 | 10,349,000 | 11,752,000 |
| Equity capital | 15,036,000 | 15,220,000 | 15,652,000 | 15,704,000 |
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 | 1,525,000 | 3,080,000 | 4,713,000 | 6,355,000 |
| Interest expense | 534,000 | 1,070,000 | 1,629,000 | 2,191,000 |
| Net interest income | 991,000 | 2,010,000 | 3,084,000 | 4,164,000 |
| Noninterest income | 66,000 | 170,000 | 291,000 | 401,000 |
| Noninterest expense | 724,000 | 1,452,000 | 2,169,000 | 2,924,000 |
| Provision for loan losses | 75,000 | 150,000 | 250,000 | 580,000 |
| Pretax income | 258,000 | 578,000 | 956,000 | 1,061,000 |
| Income tax | 95,000 | 216,000 | 358,000 | 397,000 |
| Net income | 163,000 | 362,000 | 598,000 | 664,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,966,000 | 15,165,000 | 15,610,000 | 15,674,000 |
| Total capital | 16,126,000 | 16,403,000 | 16,940,000 | 17,020,000 |
| Risk-weighted assets | 92,349,000 | 98,589,000 | 105,982,000 | 107,022,000 |