Call reports 2002
UBANK — 2002
What UBANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 121,373,000 | 121,210,000 | 124,636,000 | 122,220,000 |
| Total loans | 70,645,000 | 71,274,000 | 74,345,000 | 74,578,000 |
| Allowance for loan losses | 959,000 | 968,000 | 1,090,000 | 1,108,000 |
| Securities available for sale | 23,265,000 | 22,411,000 | 20,099,000 | 19,811,000 |
| Securities held to maturity | 1,879,000 | 1,801,000 | 1,656,000 | 1,416,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,321,000 | 106,195,000 | 109,406,000 | 106,760,000 |
| Interest-bearing deposits | 85,439,000 | 83,052,000 | 83,443,000 | 84,706,000 |
| Noninterest-bearing deposits | 21,882,000 | 23,143,000 | 25,963,000 | 22,054,000 |
| Equity capital | 11,333,000 | 11,670,000 | 11,762,000 | 12,085,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,949,000 | 3,867,000 | 5,789,000 | 7,676,000 |
| Interest expense | 570,000 | 1,089,000 | 1,581,000 | 2,047,000 |
| Net interest income | 1,379,000 | 2,778,000 | 4,208,000 | 5,629,000 |
| Noninterest income | 637,000 | 1,330,000 | 2,058,000 | 2,975,000 |
| Noninterest expense | 1,472,000 | 3,092,000 | 4,748,000 | 6,423,000 |
| Provision for loan losses | 180,000 | 340,000 | 603,000 | 847,000 |
| Pretax income | 364,000 | 676,000 | 915,000 | 1,334,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 364,000 | 676,000 | 915,000 | 1,334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,991,000 | 10,995,000 | 10,927,000 | 11,346,000 |
| Total capital | 11,903,000 | 11,913,000 | 11,877,000 | 12,290,000 |
| Risk-weighted assets | 72,898,000 | 73,353,000 | 75,873,000 | 75,358,000 |