Call reports 2002
UNITED BANK — 2002
What UNITED BANK 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 | 44,537,000 | 43,329,000 | 44,983,000 | 45,308,000 |
| Total loans | 32,202,000 | 31,823,000 | 33,465,000 | 32,765,000 |
| Allowance for loan losses | 563,000 | 580,000 | 595,000 | 600,000 |
| Securities available for sale | 1,189,000 | 984,000 | 828,000 | 827,000 |
| Securities held to maturity | 8,546,000 | 7,342,000 | 6,636,000 | 7,599,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,519,000 | 36,609,000 | 38,157,000 | 38,327,000 |
| Interest-bearing deposits | 32,929,000 | 32,225,000 | 33,053,000 | 32,880,000 |
| Noninterest-bearing deposits | 4,590,000 | 4,384,000 | 5,104,000 | 5,447,000 |
| Equity capital | 3,700,000 | 3,831,000 | 3,846,000 | 4,034,000 |
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 | 791,000 | 1,589,000 | 2,420,000 | 3,269,000 |
| Interest expense | 281,000 | 562,000 | 839,000 | 1,098,000 |
| Net interest income | 510,000 | 1,027,000 | 1,581,000 | 2,171,000 |
| Noninterest income | 59,000 | 126,000 | 196,000 | 266,000 |
| Noninterest expense | 339,000 | 693,000 | 1,075,000 | 1,470,000 |
| Provision for loan losses | 20,000 | 38,000 | 53,000 | 58,000 |
| Pretax income | 210,000 | 422,000 | 649,000 | 909,000 |
| Income tax | 82,000 | 163,000 | 252,000 | 323,000 |
| Net income | 128,000 | 259,000 | 397,000 | 586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,700,000 | 3,831,000 | 3,835,000 | 4,024,000 |
| Total capital | 4,094,000 | 4,219,000 | 4,271,000 | 4,451,000 |
| Risk-weighted assets | 31,329,000 | 30,979,000 | 34,698,000 | 33,993,000 |