Call reports 2002
NATIONAL UNION BANK OF KINDERHOOK, THE — 2002
What NATIONAL UNION BANK OF KINDERHOOK, 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 | 117,391,000 | 117,481,000 | 128,304,000 | 123,931,000 |
| Total loans | 65,525,000 | 68,422,000 | 69,100,000 | 65,466,000 |
| Allowance for loan losses | 655,000 | 608,000 | 712,000 | 715,000 |
| Securities available for sale | 37,445,000 | 36,049,000 | 38,271,000 | 41,769,000 |
| Securities held to maturity | 1,817,000 | 2,412,000 | 2,741,000 | 3,569,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,031,000 | 99,201,000 | 109,404,000 | 107,073,000 |
| Interest-bearing deposits | 90,585,000 | 86,097,000 | 92,657,000 | 93,287,000 |
| Noninterest-bearing deposits | 9,446,000 | 13,104,000 | 16,747,000 | 13,786,000 |
| Equity capital | 9,442,000 | 10,133,000 | 10,612,000 | 8,659,000 |
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 | 1,772,000 | 3,552,000 | 5,351,000 | 6,901,000 |
| Interest expense | 593,000 | 1,179,000 | 1,780,000 | 2,372,000 |
| Net interest income | 1,179,000 | 2,373,000 | 3,571,000 | 4,529,000 |
| Noninterest income | 157,000 | 311,000 | 464,000 | 609,000 |
| Noninterest expense | 830,000 | 1,717,000 | 2,565,000 | 3,526,000 |
| Provision for loan losses | 150,000 | 370,000 | 475,000 | 3,499,000 |
| Pretax income | 363,000 | 604,000 | 1,038,000 | -1,881,000 |
| Income tax | 79,000 | 96,000 | 230,000 | -1,043,000 |
| Net income | 284,000 | 508,000 | 808,000 | -838,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,506,000 | 9,618,000 | 9,808,000 | 8,052,000 |
| Total capital | 10,161,000 | 10,226,000 | 10,520,000 | 8,767,000 |
| Risk-weighted assets | 79,946,000 | 82,221,000 | 84,956,000 | 67,434,000 |