Call reports 2002
UNB BANK — 2002
What UNB 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 | 93,762,000 | 96,484,000 | 99,275,000 | 99,056,000 |
| Total loans | 68,999,000 | 68,692,000 | 67,465,000 | 64,249,000 |
| Allowance for loan losses | 811,000 | 825,000 | 861,000 | 613,000 |
| Securities available for sale | 15,139,000 | 15,211,000 | 24,198,000 | 23,287,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,501,000 | 86,898,000 | 87,907,000 | 88,947,000 |
| Interest-bearing deposits | 75,369,000 | 77,623,000 | 79,187,000 | 78,421,000 |
| Noninterest-bearing deposits | 9,132,000 | 9,275,000 | 8,720,000 | 10,526,000 |
| Equity capital | 8,297,000 | 8,530,000 | 8,865,000 | 8,811,000 |
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 | 1,425,000 | 2,856,000 | 4,325,000 | 5,747,000 |
| Interest expense | 704,000 | 1,352,000 | 2,024,000 | 2,659,000 |
| Net interest income | 721,000 | 1,504,000 | 2,301,000 | 3,088,000 |
| Noninterest income | 78,000 | 161,000 | 249,000 | 344,000 |
| Noninterest expense | 596,000 | 1,204,000 | 1,844,000 | 2,543,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 200,000 |
| Pretax income | 158,000 | 371,000 | 574,000 | 692,000 |
| Income tax | 27,000 | 72,000 | 116,000 | 117,000 |
| Net income | 131,000 | 299,000 | 458,000 | 575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,225,000 | 8,322,000 | 8,481,000 | 8,449,000 |
| Total capital | 9,006,000 | 9,111,000 | 9,270,000 | 9,062,000 |
| Risk-weighted assets | 62,997,000 | 63,096,000 | 63,536,000 | 61,146,000 |