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 | 105,640,000 | 108,194,000 | 112,469,000 | 110,004,000 |
| Total loans | 45,381,000 | 46,084,000 | 44,691,000 | 46,412,000 |
| Allowance for loan losses | 584,000 | 616,000 | 590,000 | 745,000 |
| Securities available for sale | 38,571,000 | 39,796,000 | 47,666,000 | 47,931,000 |
| Securities held to maturity | 18,369,000 | 17,638,000 | 15,998,000 | 11,162,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,139,000 | 65,906,000 | 63,079,000 | 64,257,000 |
| Interest-bearing deposits | 61,425,000 | 58,574,000 | 58,257,000 | 59,335,000 |
| Noninterest-bearing deposits | 4,714,000 | 7,332,000 | 4,822,000 | 4,922,000 |
| Equity capital | 11,944,000 | 12,409,000 | 12,699,000 | 12,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,609,000 | 3,314,000 | 4,990,000 | 6,560,000 |
| Interest expense | 700,000 | 1,444,000 | 2,168,000 | 2,886,000 |
| Net interest income | 909,000 | 1,870,000 | 2,822,000 | 3,674,000 |
| Noninterest income | 71,000 | 139,000 | 216,000 | 292,000 |
| Noninterest expense | 500,000 | 1,002,000 | 1,530,000 | 2,163,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 220,000 |
| Pretax income | 450,000 | 947,000 | 1,418,000 | 1,583,000 |
| Income tax | 161,000 | 336,000 | 497,000 | 577,000 |
| Net income | 289,000 | 611,000 | 921,000 | 1,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,993,000 | 12,136,000 | 12,266,000 | 12,171,000 |
| Total capital | 12,577,000 | 12,752,000 | 12,856,000 | 12,809,000 |
| Risk-weighted assets | 52,751,000 | 53,680,000 | 49,896,000 | 50,964,000 |