Call reports 2003
UNITED BANK & TRUST COMPANY — 2003
What UNITED BANK & 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 | 75,401,000 | 72,682,000 | 76,544,000 | 76,549,000 |
| Total loans | 55,335,000 | 54,385,000 | 57,340,000 | 59,218,000 |
| Allowance for loan losses | 649,000 | 663,000 | 669,000 | 654,000 |
| Securities available for sale | 8,553,000 | 9,949,000 | 13,065,000 | 13,022,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,743,000 | 59,966,000 | 60,992,000 | 58,908,000 |
| Interest-bearing deposits | 53,758,000 | 53,162,000 | 53,131,000 | 52,344,000 |
| Noninterest-bearing deposits | 8,985,000 | 6,805,000 | 7,861,000 | 6,563,000 |
| Equity capital | 6,224,000 | 6,272,000 | 6,143,000 | 6,231,000 |
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 | 1,070,000 | 2,194,000 | 3,182,000 | 4,244,000 |
| Interest expense | 360,000 | 705,000 | 1,017,000 | 1,341,000 |
| Net interest income | 710,000 | 1,489,000 | 2,165,000 | 2,903,000 |
| Noninterest income | 149,000 | 299,000 | 455,000 | 592,000 |
| Noninterest expense | 741,000 | 1,461,000 | 2,153,000 | 2,863,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 118,000 | 351,000 | 511,000 | 676,000 |
| Income tax | 39,000 | 118,000 | 171,000 | 171,000 |
| Net income | 79,000 | 233,000 | 340,000 | 505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,098,000 | 6,177,000 | 6,209,000 | 6,299,000 |
| Total capital | 6,747,000 | 6,833,000 | 6,878,000 | 6,953,000 |
| Risk-weighted assets | 53,823,000 | 52,451,000 | 54,671,000 | 56,034,000 |