Call reports 2002
UNITED BANK AND TRUST COMPANY — 2002
What UNITED BANK AND TRUST COMPANY 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 | 73,692,000 | 74,379,000 | 74,733,000 | 75,964,000 |
| Total loans | 31,460,000 | 33,299,000 | 35,078,000 | 34,589,000 |
| Allowance for loan losses | 341,000 | 357,000 | 375,000 | 390,000 |
| Securities available for sale | 26,446,000 | 26,304,000 | 24,739,000 | 26,404,000 |
| Securities held to maturity | 9,454,000 | 8,422,000 | 8,344,000 | 8,037,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,177,000 | 63,494,000 | 63,549,000 | 64,611,000 |
| Interest-bearing deposits | 55,935,000 | 56,267,000 | 56,040,000 | 56,976,000 |
| Noninterest-bearing deposits | 7,242,000 | 7,227,000 | 7,509,000 | 7,635,000 |
| Equity capital | 9,821,000 | 10,149,000 | 10,393,000 | 10,585,000 |
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 | 1,074,000 | 2,165,000 | 3,263,000 | 4,330,000 |
| Interest expense | 439,000 | 833,000 | 1,205,000 | 1,565,000 |
| Net interest income | 635,000 | 1,332,000 | 2,058,000 | 2,765,000 |
| Noninterest income | 60,000 | 119,000 | 172,000 | 250,000 |
| Noninterest expense | 496,000 | 995,000 | 1,470,000 | 1,970,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 184,000 | 426,000 | 715,000 | 985,000 |
| Income tax | 22,000 | 83,000 | 165,000 | 233,000 |
| Net income | 162,000 | 343,000 | 550,000 | 752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,845,000 | 9,040,000 | 9,260,000 | 9,475,000 |
| Total capital | 9,186,000 | 9,397,000 | 9,635,000 | 9,865,000 |
| Risk-weighted assets | 40,634,000 | 41,300,000 | 42,779,000 | 42,186,000 |