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 | 524,648,000 | 525,380,000 | 521,469,000 | 524,489,000 |
| Total loans | 366,161,000 | 364,669,000 | 365,617,000 | 362,624,000 |
| Allowance for loan losses | 6,423,000 | 6,423,000 | 6,383,000 | 6,336,000 |
| Securities available for sale | 87,514,000 | 99,716,000 | 107,856,000 | 108,229,000 |
| Securities held to maturity | 3,624,000 | 3,164,000 | 2,696,000 | 2,484,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 437,644,000 | 437,055,000 | 430,996,000 | 432,771,000 |
| Interest-bearing deposits | 372,445,000 | 371,840,000 | 365,080,000 | 371,310,000 |
| Noninterest-bearing deposits | 65,199,000 | 65,215,000 | 65,916,000 | 61,461,000 |
| Equity capital | 52,753,000 | 55,105,000 | 55,993,000 | 57,700,000 |
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 | 8,679,000 | 17,645,000 | 26,321,000 | 34,513,000 |
| Interest expense | 2,146,000 | 4,251,000 | 6,189,000 | 8,074,000 |
| Net interest income | 6,533,000 | 13,394,000 | 20,132,000 | 26,439,000 |
| Noninterest income | 2,088,000 | 4,426,000 | 6,507,000 | 8,229,000 |
| Noninterest expense | 4,969,000 | 10,273,000 | 15,449,000 | 20,603,000 |
| Provision for loan losses | 264,000 | 577,000 | 1,078,000 | 1,795,000 |
| Pretax income | 3,388,000 | 6,970,000 | 10,112,000 | 12,270,000 |
| Income tax | 1,185,000 | 2,409,000 | 3,447,000 | 3,853,000 |
| Net income | 2,203,000 | 4,561,000 | 6,665,000 | 8,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,435,000 | 50,769,000 | 52,866,000 | 54,621,000 |
| Total capital | 52,799,000 | 55,094,000 | 57,258,000 | 59,116,000 |
| Risk-weighted assets | 347,068,000 | 343,892,000 | 349,404,000 | 357,774,000 |