Call reports 2003
UNITEDTRUST BANK — 2003
What UNITEDTRUST 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 | 2,972,457,000 | 3,028,979,000 | 3,148,020,000 | 2,948,054,000 |
| Total loans | 1,741,148,000 | 1,903,221,000 | 1,986,761,000 | 1,992,013,000 |
| Allowance for loan losses | 21,484,000 | 22,090,000 | 22,981,000 | 22,537,000 |
| Securities available for sale | 886,696,000 | 748,916,000 | 790,065,000 | 588,921,000 |
| Securities held to maturity | 35,098,000 | 62,739,000 | 58,769,000 | 51,796,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,180,926,000 | 2,221,331,000 | 2,232,665,000 | 2,276,771,000 |
| Interest-bearing deposits | 1,796,304,000 | 1,833,320,000 | 1,856,608,000 | 1,887,862,000 |
| Noninterest-bearing deposits | 384,622,000 | 388,011,000 | 376,057,000 | 388,909,000 |
| Equity capital | 310,518,000 | 305,445,000 | 299,174,000 | 293,841,000 |
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 | 37,245,000 | 74,817,000 | 111,483,000 | 148,745,000 |
| Interest expense | 12,837,000 | 24,456,000 | 34,978,000 | 45,582,000 |
| Net interest income | 24,408,000 | 50,361,000 | 76,505,000 | 103,163,000 |
| Noninterest income | 5,677,000 | 11,889,000 | 18,797,000 | 25,531,000 |
| Noninterest expense | 23,395,000 | 43,819,000 | 71,612,000 | 101,133,000 |
| Provision for loan losses | 1,470,000 | 3,075,000 | 4,755,000 | 11,855,000 |
| Pretax income | 7,178,000 | 17,713,000 | 21,567,000 | 20,820,000 |
| Income tax | 1,199,000 | 3,818,000 | 4,373,000 | 4,817,000 |
| Net income | 5,979,000 | 13,895,000 | 17,194,000 | 16,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 210,574,000 | 204,566,000 | 203,888,000 | 199,166,000 |
| Total capital | 232,058,000 | 226,656,000 | 226,869,000 | 221,703,000 |
| Risk-weighted assets | 2,065,743,000 | 2,169,660,000 | 2,231,224,000 | 2,161,531,000 |