Call reports 2002
UNION STATE BANK — 2002
What UNION STATE BANK 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 | 41,385,000 | 41,313,000 | 42,440,000 | 43,776,000 |
| Total loans | 22,023,000 | 21,891,000 | 21,058,000 | 19,950,000 |
| Allowance for loan losses | 265,000 | 269,000 | 284,000 | 316,000 |
| Securities available for sale | 14,461,000 | 15,620,000 | 16,320,000 | 16,332,000 |
| Securities held to maturity | 100,000 | 100,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,943,000 | 35,265,000 | 35,927,000 | 37,296,000 |
| Interest-bearing deposits | 30,418,000 | 30,429,000 | 30,497,000 | 31,406,000 |
| Noninterest-bearing deposits | 5,525,000 | 4,836,000 | 5,430,000 | 5,890,000 |
| Equity capital | 4,931,000 | 5,425,000 | 5,871,000 | 5,817,000 |
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 | 717,000 | 1,452,000 | 2,164,000 | 2,847,000 |
| Interest expense | 275,000 | 532,000 | 777,000 | 997,000 |
| Net interest income | 442,000 | 920,000 | 1,387,000 | 1,850,000 |
| Noninterest income | 42,000 | 118,000 | 161,000 | 210,000 |
| Noninterest expense | 294,000 | 615,000 | 916,000 | 1,288,000 |
| Provision for loan losses | 20,000 | 39,000 | 59,000 | 128,000 |
| Pretax income | 187,000 | 401,000 | 602,000 | 673,000 |
| Income tax | 19,000 | 39,000 | 58,000 | 78,000 |
| Net income | 168,000 | 362,000 | 544,000 | 595,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,064,000 | 5,243,000 | 5,425,000 | 5,416,000 |
| Total capital | 5,329,000 | 5,512,000 | 5,709,000 | 5,723,000 |
| Risk-weighted assets | 24,283,000 | 24,261,000 | 24,164,000 | 24,548,000 |