Call reports 2002
UNITY NATIONAL BANK — 2002
What UNITY NATIONAL 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 | 113,961,000 | 119,465,000 | 128,513,000 | 130,895,000 |
| Total loans | 91,403,000 | 94,743,000 | 103,250,000 | 107,853,000 |
| Allowance for loan losses | 1,262,000 | 1,291,000 | 1,403,000 | 1,471,000 |
| Securities available for sale | 12,845,000 | 12,957,000 | 11,539,000 | 12,517,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,001,000 | 109,307,000 | 117,853,000 | 117,992,000 |
| Interest-bearing deposits | 96,758,000 | 100,369,000 | 107,036,000 | 109,431,000 |
| Noninterest-bearing deposits | 8,243,000 | 8,938,000 | 10,817,000 | 8,561,000 |
| Equity capital | 8,305,000 | 9,107,000 | 9,861,000 | 11,934,000 |
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 | 2,012,000 | 4,040,000 | 6,231,000 | 8,467,000 |
| Interest expense | 934,000 | 1,853,000 | 2,819,000 | 3,767,000 |
| Net interest income | 1,078,000 | 2,187,000 | 3,412,000 | 4,700,000 |
| Noninterest income | 250,000 | 519,000 | 796,000 | 1,073,000 |
| Noninterest expense | 1,104,000 | 2,100,000 | 3,101,000 | 3,958,000 |
| Provision for loan losses | 75,000 | 214,000 | 407,000 | 529,000 |
| Pretax income | 149,000 | 405,000 | 700,000 | 1,286,000 |
| Income tax | 54,000 | 146,000 | 252,000 | 446,000 |
| Net income | 95,000 | 259,000 | 448,000 | 840,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,357,000 | 9,021,000 | 9,710,000 | 11,802,000 |
| Total capital | 9,450,000 | 10,169,000 | 10,938,000 | 13,107,000 |
| Risk-weighted assets | 87,286,000 | 91,711,000 | 98,097,000 | 104,220,000 |