Call reports 2003
UNITED BANK AND TRUST COMPANY — 2003
What UNITED BANK AND TRUST COMPANY 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 | 76,888,000 | 78,463,000 | 75,757,000 | 77,009,000 |
| Total loans | 33,993,000 | 35,008,000 | 37,309,000 | 37,461,000 |
| Allowance for loan losses | 403,000 | 419,000 | 434,000 | 450,000 |
| Securities available for sale | 27,756,000 | 28,365,000 | 24,251,000 | 25,106,000 |
| Securities held to maturity | 8,010,000 | 7,747,000 | 8,673,000 | 9,057,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,665,000 | 67,125,000 | 63,350,000 | 64,971,000 |
| Interest-bearing deposits | 57,945,000 | 57,811,000 | 55,346,000 | 55,411,000 |
| Noninterest-bearing deposits | 7,720,000 | 9,314,000 | 8,004,000 | 9,560,000 |
| Equity capital | 10,626,000 | 10,768,000 | 10,764,000 | 10,829,000 |
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 | 987,000 | 1,930,000 | 2,870,000 | 3,784,000 |
| Interest expense | 327,000 | 633,000 | 907,000 | 1,157,000 |
| Net interest income | 660,000 | 1,297,000 | 1,963,000 | 2,627,000 |
| Noninterest income | 59,000 | 120,000 | 181,000 | 258,000 |
| Noninterest expense | 536,000 | 1,039,000 | 1,509,000 | 2,024,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 168,000 | 348,000 | 590,000 | 801,000 |
| Income tax | 20,000 | 58,000 | 126,000 | 181,000 |
| Net income | 148,000 | 290,000 | 464,000 | 620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,636,000 | 9,791,000 | 9,980,000 | 10,149,000 |
| Total capital | 10,039,000 | 10,210,000 | 10,414,000 | 10,599,000 |
| Risk-weighted assets | 41,608,000 | 42,924,000 | 44,055,000 | 44,853,000 |