Call reports 2002
UNITED BANK & TRUST COMPANY — 2002
What UNITED BANK & 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 | 66,261,000 | 70,379,000 | 67,838,000 | 69,418,000 |
| Total loans | 49,816,000 | 54,056,000 | 52,321,000 | 54,673,000 |
| Allowance for loan losses | 485,000 | 663,000 | 635,000 | 650,000 |
| Securities available for sale | 10,548,000 | 11,323,000 | 10,247,000 | 9,767,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,628,000 | 55,061,000 | 55,069,000 | 56,609,000 |
| Interest-bearing deposits | 47,776,000 | 48,983,000 | 49,116,000 | 50,724,000 |
| Noninterest-bearing deposits | 5,852,000 | 6,078,000 | 5,953,000 | 5,884,000 |
| Equity capital | 5,905,000 | 6,107,000 | 6,249,000 | 6,266,000 |
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 | 1,106,000 | 2,262,000 | 3,400,000 | 4,512,000 |
| Interest expense | 412,000 | 806,000 | 1,190,000 | 1,560,000 |
| Net interest income | 694,000 | 1,456,000 | 2,210,000 | 2,952,000 |
| Noninterest income | 162,000 | 297,000 | 427,000 | 559,000 |
| Noninterest expense | 612,000 | 1,244,000 | 1,901,000 | 2,597,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 267,000 | 532,000 | 759,000 | 937,000 |
| Income tax | 93,000 | 185,000 | 263,000 | 323,000 |
| Net income | 174,000 | 347,000 | 496,000 | 614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,916,000 | 6,002,000 | 6,063,000 | 6,094,000 |
| Total capital | 6,401,000 | 6,657,000 | 6,698,000 | 6,744,000 |
| Risk-weighted assets | 49,092,000 | 52,415,000 | 50,809,000 | 52,743,000 |