Call reports 2003
UNITED BANK — 2003
What UNITED BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 701,744,000 | 729,287,000 | 709,619,000 | 712,034,000 |
| Total loans | 493,190,000 | 509,781,000 | 515,493,000 | 533,471,000 |
| Allowance for loan losses | 5,357,000 | 5,395,000 | 5,549,000 | 4,971,000 |
| Securities available for sale | 142,884,000 | 140,770,000 | 146,957,000 | 127,270,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 534,274,000 | 546,215,000 | 538,839,000 | 535,296,000 |
| Interest-bearing deposits | 486,395,000 | 496,089,000 | 487,176,000 | 482,048,000 |
| Noninterest-bearing deposits | 47,879,000 | 50,126,000 | 51,663,000 | 53,248,000 |
| Equity capital | 60,324,000 | 63,249,000 | 65,398,000 | 65,917,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 9,875,000 | 19,619,000 | 29,200,000 | 38,407,000 |
| Interest expense | 3,548,000 | 6,890,000 | 10,033,000 | 12,999,000 |
| Net interest income | 6,327,000 | 12,729,000 | 19,167,000 | 25,408,000 |
| Noninterest income | 743,000 | 1,523,000 | 2,338,000 | 3,019,000 |
| Noninterest expense | 4,686,000 | 9,032,000 | 13,401,000 | 18,580,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 2,100,000 |
| Pretax income | 2,098,000 | 4,618,000 | 7,300,000 | 8,758,000 |
| Income tax | 696,000 | 1,535,000 | 2,413,000 | 2,667,000 |
| Net income | 1,402,000 | 3,083,000 | 4,887,000 | 6,091,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,767,000 | 58,448,000 | 60,238,000 | 61,049,000 |
| Total capital | 62,124,000 | 63,843,000 | 65,787,000 | 66,020,000 |
| Risk-weighted assets | 460,538,000 | 467,466,000 | 457,666,000 | 473,782,000 |
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