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 | 488,343,000 | 501,086,000 | 515,370,000 | 493,145,000 |
| Total loans | 347,637,000 | 359,857,000 | 380,469,000 | 358,540,000 |
| Allowance for loan losses | 6,035,000 | 6,234,000 | 6,475,000 | 6,394,000 |
| Securities available for sale | 96,037,000 | 95,314,000 | 89,048,000 | 83,055,000 |
| Securities held to maturity | 4,721,000 | 5,525,000 | 4,312,000 | 3,980,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 426,249,000 | 416,568,000 | 415,819,000 | 403,876,000 |
| Interest-bearing deposits | 370,028,000 | 361,136,000 | 353,208,000 | 353,134,000 |
| Noninterest-bearing deposits | 56,221,000 | 55,432,000 | 62,611,000 | 50,742,000 |
| Equity capital | 48,294,000 | 51,232,000 | 53,274,000 | 55,171,000 |
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 | 9,326,000 | 18,363,000 | 27,683,000 | 36,971,000 |
| Interest expense | 2,648,000 | 5,031,000 | 7,435,000 | 9,678,000 |
| Net interest income | 6,678,000 | 13,332,000 | 20,248,000 | 27,293,000 |
| Noninterest income | 1,973,000 | 3,732,000 | 5,751,000 | 7,679,000 |
| Noninterest expense | 4,362,000 | 8,910,000 | 14,446,000 | 19,417,000 |
| Provision for loan losses | 445,000 | 847,000 | 1,380,000 | 2,141,000 |
| Pretax income | 3,844,000 | 7,320,000 | 10,198,000 | 13,424,000 |
| Income tax | 1,386,000 | 2,675,000 | 3,741,000 | 4,836,000 |
| Net income | 2,458,000 | 4,645,000 | 6,457,000 | 8,588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,489,000 | 46,737,000 | 48,599,000 | 50,545,000 |
| Total capital | 48,714,000 | 51,106,000 | 53,079,000 | 54,826,000 |
| Risk-weighted assets | 336,170,000 | 347,656,000 | 356,367,000 | 340,403,000 |