Call reports 2002
UNITED COMMUNITIES NATIONAL BANK — 2002
What UNITED COMMUNITIES NATIONAL 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 | 81,514,000 | 86,254,000 | 88,684,000 | 88,990,000 |
| Total loans | 65,236,000 | 68,406,000 | 71,497,000 | 72,701,000 |
| Allowance for loan losses | 808,000 | 822,000 | 829,000 | 865,000 |
| Securities available for sale | 7,724,000 | 13,478,000 | 11,368,000 | 9,595,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,985,000 | 71,442,000 | 72,879,000 | 73,634,000 |
| Interest-bearing deposits | 62,929,000 | 63,069,000 | 63,512,000 | 63,333,000 |
| Noninterest-bearing deposits | 7,056,000 | 8,373,000 | 9,367,000 | 10,300,000 |
| Equity capital | 6,401,000 | 6,150,000 | 6,626,000 | 6,955,000 |
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 | 1,422,000 | 2,862,000 | 4,398,000 | 5,911,000 |
| Interest expense | 613,000 | 1,171,000 | 1,719,000 | 2,234,000 |
| Net interest income | 809,000 | 1,691,000 | 2,679,000 | 3,677,000 |
| Noninterest income | 93,000 | 185,000 | 274,000 | 377,000 |
| Noninterest expense | 472,000 | 942,000 | 1,404,000 | 1,944,000 |
| Provision for loan losses | 26,000 | 33,000 | 62,000 | 109,000 |
| Pretax income | 404,000 | 901,000 | 1,487,000 | 2,001,000 |
| Income tax | 146,000 | 326,000 | 547,000 | 727,000 |
| Net income | 258,000 | 575,000 | 940,000 | 1,274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,334,000 | 6,081,000 | 6,437,000 | 6,771,000 |
| Total capital | 7,074,000 | 6,860,000 | 7,265,000 | 7,616,000 |
| Risk-weighted assets | 59,107,000 | 62,260,000 | 66,259,000 | 67,585,000 |