Call reports 2002
UNITED BANKING COMPANY, THE — 2002
What UNITED BANKING COMPANY, THE 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 | 82,547,000 | 79,038,000 | 81,189,000 | 83,628,000 |
| Total loans | 58,383,000 | 60,555,000 | 59,705,000 | 57,372,000 |
| Allowance for loan losses | 1,559,000 | 1,544,000 | 1,393,000 | 1,438,000 |
| Securities available for sale | 8,711,000 | 6,830,000 | 4,068,000 | 5,877,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,865,000 | 72,314,000 | 74,596,000 | 77,081,000 |
| Interest-bearing deposits | 65,074,000 | 61,000,000 | 63,055,000 | 66,362,000 |
| Noninterest-bearing deposits | 10,791,000 | 11,314,000 | 11,541,000 | 10,719,000 |
| Equity capital | 4,749,000 | 4,915,000 | 4,910,000 | 4,950,000 |
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 | 1,293,000 | 2,534,000 | 3,719,000 | 4,869,000 |
| Interest expense | 648,000 | 1,155,000 | 1,628,000 | 2,103,000 |
| Net interest income | 645,000 | 1,379,000 | 2,091,000 | 2,766,000 |
| Noninterest income | 142,000 | 221,000 | 384,000 | 660,000 |
| Noninterest expense | 651,000 | 1,272,000 | 2,096,000 | 2,939,000 |
| Provision for loan losses | 240,000 | 300,000 | 360,000 | 420,000 |
| Pretax income | -88,000 | 53,000 | 45,000 | 93,000 |
| Income tax | -33,000 | 21,000 | 16,000 | 34,000 |
| Net income | -55,000 | 32,000 | 29,000 | 59,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,796,000 | 3,941,000 | 4,003,000 | 4,038,000 |
| Total capital | 4,502,000 | 4,667,000 | 4,721,000 | 4,732,000 |
| Risk-weighted assets | 55,651,000 | 57,254,000 | 56,728,000 | 54,773,000 |