Call reports 2002
UNIVERSITY NATIONAL BANK — 2002
What UNIVERSITY 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 | 102,456,000 | 105,507,000 | 105,744,000 | 106,950,000 |
| Total loans | 21,686,000 | 22,011,000 | 22,318,000 | 22,184,000 |
| Allowance for loan losses | 213,000 | 213,000 | 213,000 | 213,000 |
| Securities available for sale | 40,617,000 | 44,998,000 | 46,710,000 | 50,233,000 |
| Securities held to maturity | 29,840,000 | 29,239,000 | 29,414,000 | 26,393,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,551,000 | 95,944,000 | 95,741,000 | 96,963,000 |
| Interest-bearing deposits | 65,422,000 | 65,778,000 | 64,863,000 | 67,079,000 |
| Noninterest-bearing deposits | 28,129,000 | 30,166,000 | 30,877,000 | 29,884,000 |
| Equity capital | 8,102,000 | 8,653,000 | 8,945,000 | 8,760,000 |
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 | 1,331,000 | 2,619,000 | 3,906,000 | 5,156,000 |
| Interest expense | 304,000 | 583,000 | 844,000 | 1,081,000 |
| Net interest income | 1,027,000 | 2,036,000 | 3,062,000 | 4,075,000 |
| Noninterest income | 216,000 | 428,000 | 628,000 | 821,000 |
| Noninterest expense | 765,000 | 1,528,000 | 2,334,000 | 3,204,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 478,000 | 936,000 | 1,358,000 | 1,700,000 |
| Income tax | 2,000 | -6,000 | -6,000 | -6,000 |
| Net income | 476,000 | 942,000 | 1,364,000 | 1,706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,862,000 | 8,028,000 | 8,050,000 | 7,892,000 |
| Total capital | 8,075,000 | 8,241,000 | 8,263,000 | 8,105,000 |
| Risk-weighted assets | 32,766,000 | 33,383,000 | 33,509,000 | 33,723,000 |