Call reports 2002
UNITED BANK — 2002
What UNITED 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 | 620,539,000 | 631,869,000 | 620,403,000 | 623,744,000 |
| Total loans | 463,143,000 | 486,974,000 | 465,557,000 | 468,489,000 |
| Allowance for loan losses | 4,843,000 | 5,042,000 | 4,918,000 | 4,924,000 |
| Securities available for sale | 105,295,000 | 91,332,000 | 92,845,000 | 102,533,000 |
| Securities held to maturity | 544,000 | 524,000 | 524,000 | 737,000 |
| Trading assets | 2,010,000 | 1,550,000 | 0 | 0 |
| Total deposits | 518,429,000 | 534,992,000 | 533,712,000 | 534,924,000 |
| Interest-bearing deposits | 459,900,000 | 473,294,000 | 472,536,000 | 472,931,000 |
| Noninterest-bearing deposits | 58,529,000 | 61,698,000 | 61,176,000 | 61,993,000 |
| Equity capital | 47,149,000 | 48,919,000 | 51,056,000 | 52,612,000 |
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 | 8,954,000 | 18,349,000 | 27,525,000 | 36,314,000 |
| Interest expense | 3,973,000 | 7,840,000 | 11,428,000 | 14,576,000 |
| Net interest income | 4,981,000 | 10,509,000 | 16,097,000 | 21,738,000 |
| Noninterest income | 963,000 | 1,640,000 | 2,813,000 | 4,036,000 |
| Noninterest expense | 3,933,000 | 8,155,000 | 12,343,000 | 17,005,000 |
| Provision for loan losses | 198,000 | 398,000 | 398,000 | 398,000 |
| Pretax income | 1,836,000 | 3,619,000 | 6,204,000 | 8,459,000 |
| Income tax | 718,000 | 1,360,000 | 2,383,000 | 3,270,000 |
| Net income | 1,118,000 | 2,259,000 | 3,821,000 | 5,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,265,000 | 48,408,000 | 49,962,000 | 51,334,000 |
| Total capital | 52,113,000 | 53,455,000 | 54,884,000 | 56,262,000 |
| Risk-weighted assets | 408,413,000 | 424,068,000 | 412,722,000 | 419,826,000 |
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