Call reports 2002
UNION COUNTY NATIONAL BANK OF LIBERTY, THE — 2002
What UNION COUNTY NATIONAL BANK OF LIBERTY, 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 | 203,756,000 | 211,022,000 | 205,286,000 | 202,986,000 |
| Total loans | 156,399,000 | 159,111,000 | 160,261,000 | 160,604,000 |
| Allowance for loan losses | 1,306,000 | 1,242,000 | 1,387,000 | 1,434,000 |
| Securities available for sale | 34,127,000 | 40,193,000 | 35,372,000 | 31,018,000 |
| Securities held to maturity | 165,000 | 133,000 | 103,000 | 95,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,011,000 | 166,518,000 | 162,431,000 | 164,729,000 |
| Interest-bearing deposits | 150,062,000 | 151,972,000 | 147,599,000 | 149,929,000 |
| Noninterest-bearing deposits | 14,948,000 | 14,546,000 | 14,832,000 | 14,800,000 |
| Equity capital | 16,718,000 | 15,213,000 | 15,868,000 | 15,718,000 |
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 | 3,267,000 | 6,496,000 | 9,721,000 | 12,789,000 |
| Interest expense | 1,557,000 | 3,073,000 | 4,515,000 | 5,787,000 |
| Net interest income | 1,710,000 | 3,423,000 | 5,206,000 | 7,002,000 |
| Noninterest income | 223,000 | 479,000 | 808,000 | 1,187,000 |
| Noninterest expense | 967,000 | 1,879,000 | 2,792,000 | 3,808,000 |
| Provision for loan losses | 120,000 | 260,000 | 465,000 | 680,000 |
| Pretax income | 846,000 | 1,768,000 | 2,780,000 | 3,724,000 |
| Income tax | 283,000 | 595,000 | 937,000 | 1,214,000 |
| Net income | 563,000 | 1,173,000 | 1,843,000 | 2,510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,395,000 | 14,745,000 | 15,185,000 | 15,202,000 |
| Total capital | 17,701,000 | 15,987,000 | 16,572,000 | 16,636,000 |
| Risk-weighted assets | 132,838,000 | 136,272,000 | 136,020,000 | 134,727,000 |