Call reports 2001
UNION COUNTY NATIONAL BANK OF LIBERTY, THE — 2001
What UNION COUNTY NATIONAL BANK OF LIBERTY, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 213,572,000 | 215,888,000 | 209,299,000 | 203,433,000 |
| Total loans | 152,372,000 | 157,946,000 | 157,251,000 | 155,080,000 |
| Allowance for loan losses | 1,622,000 | 1,635,000 | 1,472,000 | 1,565,000 |
| Securities available for sale | 50,591,000 | 45,476,000 | 41,667,000 | 38,331,000 |
| Securities held to maturity | 259,000 | 232,000 | 210,000 | 183,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,256,000 | 172,037,000 | 169,578,000 | 163,669,000 |
| Interest-bearing deposits | 164,313,000 | 159,040,000 | 156,231,000 | 149,854,000 |
| Noninterest-bearing deposits | 11,943,000 | 12,997,000 | 13,347,000 | 13,815,000 |
| Equity capital | 16,599,000 | 16,711,000 | 16,899,000 | 16,791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 4,069,000 | 7,985,000 | 11,746,000 | 15,230,000 |
| Interest expense | 2,516,000 | 4,743,000 | 6,836,000 | 8,626,000 |
| Net interest income | 1,553,000 | 3,242,000 | 4,910,000 | 6,604,000 |
| Noninterest income | 210,000 | 447,000 | 689,000 | 936,000 |
| Noninterest expense | 918,000 | 1,813,000 | 2,741,000 | 3,680,000 |
| Provision for loan losses | 60,000 | 130,000 | 230,000 | 380,000 |
| Pretax income | 785,000 | 1,746,000 | 2,661,000 | 3,513,000 |
| Income tax | 246,000 | 564,000 | 861,000 | 1,148,000 |
| Net income | 539,000 | 1,182,000 | 1,800,000 | 2,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,226,000 | 16,299,000 | 16,347,000 | 16,332,000 |
| Total capital | 17,848,000 | 17,934,000 | 17,819,000 | 17,897,000 |
| Risk-weighted assets | 134,880,000 | 137,752,000 | 135,978,000 | 132,571,000 |