Call reports 2002
UNISON BANK — 2002
What UNISON 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 | 114,400,000 | 110,486,000 | 117,247,000 | 121,535,000 |
| Total loans | 79,916,000 | 81,877,000 | 84,124,000 | 83,898,000 |
| Allowance for loan losses | 1,522,000 | 1,531,000 | 1,364,000 | 1,431,000 |
| Securities available for sale | 22,176,000 | 23,042,000 | 21,789,000 | 24,083,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,152,000 | 98,705,000 | 102,320,000 | 106,456,000 |
| Interest-bearing deposits | 88,226,000 | 85,449,000 | 88,371,000 | 88,023,000 |
| Noninterest-bearing deposits | 14,926,000 | 13,256,000 | 13,949,000 | 18,433,000 |
| Equity capital | 10,658,000 | 11,327,000 | 14,401,000 | 14,560,000 |
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 | 1,908,000 | 3,822,000 | 408,000 | 2,138,000 |
| Interest expense | 753,000 | 1,438,000 | 124,000 | 739,000 |
| Net interest income | 1,155,000 | 2,384,000 | 284,000 | 1,399,000 |
| Noninterest income | 124,000 | 230,000 | 22,000 | 131,000 |
| Noninterest expense | 769,000 | 1,427,000 | 133,000 | 885,000 |
| Provision for loan losses | 30,000 | 60,000 | 20,000 | 80,000 |
| Pretax income | 524,000 | 1,171,000 | 195,000 | 607,000 |
| Income tax | 190,000 | 425,000 | 101,000 | 239,000 |
| Net income | 334,000 | 746,000 | 94,000 | 368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,613,000 | 11,025,000 | 9,857,000 | 9,993,000 |
| Total capital | 11,629,000 | 12,078,000 | 10,946,000 | 11,096,000 |
| Risk-weighted assets | 80,804,000 | 83,760,000 | 86,859,000 | 87,940,000 |