Call reports 2002
UNION STATE BANK — 2002
What UNION STATE 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 | 59,405,000 | 60,740,000 | 62,658,000 | 67,871,000 |
| Total loans | 39,974,000 | 40,913,000 | 41,512,000 | 41,484,000 |
| Allowance for loan losses | 442,000 | 418,000 | 415,000 | 433,000 |
| Securities available for sale | 12,401,000 | 12,481,000 | 14,186,000 | 13,501,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,796,000 | 53,112,000 | 55,143,000 | 60,267,000 |
| Interest-bearing deposits | 45,302,000 | 43,836,000 | 44,838,000 | 45,630,000 |
| Noninterest-bearing deposits | 6,494,000 | 9,276,000 | 10,305,000 | 14,637,000 |
| Equity capital | 6,076,000 | 6,253,000 | 6,390,000 | 6,532,000 |
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 | 946,000 | 1,865,000 | 2,797,000 | 3,695,000 |
| Interest expense | 379,000 | 728,000 | 1,058,000 | 1,366,000 |
| Net interest income | 567,000 | 1,137,000 | 1,739,000 | 2,329,000 |
| Noninterest income | 346,000 | 646,000 | 1,099,000 | 1,679,000 |
| Noninterest expense | 625,000 | 1,275,000 | 1,936,000 | 2,633,000 |
| Provision for loan losses | 13,000 | 58,000 | 338,000 | 398,000 |
| Pretax income | 275,000 | 450,000 | 564,000 | 977,000 |
| Income tax | 79,000 | 119,000 | 132,000 | 262,000 |
| Net income | 196,000 | 331,000 | 432,000 | 715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,872,000 | 5,960,000 | 6,018,000 | 6,251,000 |
| Total capital | 6,314,000 | 6,378,000 | 6,433,000 | 6,684,000 |
| Risk-weighted assets | 35,898,000 | 37,544,000 | 39,825,000 | 40,095,000 |