Call reports 2002
UPLAND BANK — 2002
What UPLAND BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 |
|---|---|---|
| Total assets | 109,836,000 | 111,896,000 |
| Total loans | 89,041,000 | 94,751,000 |
| Allowance for loan losses | 1,215,000 | 1,246,000 |
| Securities available for sale | 39,000 | 35,000 |
| Securities held to maturity | 1,749,000 | 1,749,000 |
| Trading assets | 0 | 0 |
| Total deposits | 95,736,000 | 97,379,000 |
| Interest-bearing deposits | 70,873,000 | 72,886,000 |
| Noninterest-bearing deposits | 24,863,000 | 24,493,000 |
| Equity capital | 11,534,000 | 11,899,000 |
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 |
|---|---|---|
| Interest income | 1,980,000 | 3,994,000 |
| Interest expense | 547,000 | 1,106,000 |
| Net interest income | 1,433,000 | 2,888,000 |
| Noninterest income | 225,000 | 441,000 |
| Noninterest expense | 1,154,000 | 2,240,000 |
| Provision for loan losses | 0 | 30,000 |
| Pretax income | 504,000 | 1,059,000 |
| Income tax | 204,000 | 394,000 |
| Net income | 300,000 | 665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 |
|---|---|---|
| Tier 1 capital | 11,081,000 | 11,446,000 |
| Total capital | 12,296,000 | 12,692,000 |
| Risk-weighted assets | 124,590,000 | 133,241,000 |