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 | 658,420,000 | 700,582,000 | 701,462,000 | 737,561,000 |
| Total loans | 473,466,000 | 493,387,000 | 502,392,000 | 502,309,000 |
| Allowance for loan losses | 5,110,000 | 5,131,000 | 5,181,000 | 5,095,000 |
| Securities available for sale | 124,404,000 | 158,708,000 | 151,577,000 | 198,765,000 |
| Securities held to maturity | 998,000 | 2,176,000 | 2,176,000 | 2,175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 558,702,000 | 565,282,000 | 564,545,000 | 595,921,000 |
| Interest-bearing deposits | 493,264,000 | 496,506,000 | 494,770,000 | 521,985,000 |
| Noninterest-bearing deposits | 65,438,000 | 68,776,000 | 69,775,000 | 73,936,000 |
| Equity capital | 53,803,000 | 55,386,000 | 55,745,000 | 57,050,000 |
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 | 8,488,000 | 17,018,000 | 25,513,000 | 34,282,000 |
| Interest expense | 2,854,000 | 5,730,000 | 8,501,000 | 11,445,000 |
| Net interest income | 5,634,000 | 11,288,000 | 17,012,000 | 22,837,000 |
| Noninterest income | 1,058,000 | 2,211,000 | 3,396,000 | 4,613,000 |
| Noninterest expense | 4,543,000 | 8,979,000 | 13,381,000 | 17,870,000 |
| Provision for loan losses | 186,000 | 240,000 | 294,000 | 294,000 |
| Pretax income | 2,475,000 | 4,860,000 | 7,240,000 | 9,817,000 |
| Income tax | 976,000 | 1,933,000 | 2,888,000 | 3,917,000 |
| Net income | 1,499,000 | 2,927,000 | 4,352,000 | 5,900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,869,000 | 54,303,000 | 55,733,000 | 57,277,000 |
| Total capital | 57,985,000 | 59,443,000 | 60,916,000 | 62,372,000 |
| Risk-weighted assets | 435,556,000 | 454,523,000 | 455,832,000 | 464,350,000 |
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