Call reports 2003
UNITED BANK — 2003
What UNITED 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 | 46,905,000 | 47,923,000 | 48,261,000 | 49,811,000 |
| Total loans | 36,222,000 | 37,006,000 | 35,591,000 | 35,837,000 |
| Allowance for loan losses | 630,000 | 660,000 | 685,000 | 700,000 |
| Securities available for sale | 700,000 | 207,000 | 204,000 | 312,000 |
| Securities held to maturity | 7,247,000 | 7,665,000 | 8,438,000 | 10,303,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,368,000 | 39,641,000 | 39,890,000 | 41,267,000 |
| Interest-bearing deposits | 34,097,000 | 35,597,000 | 35,186,000 | 36,108,000 |
| Noninterest-bearing deposits | 5,271,000 | 4,044,000 | 4,704,000 | 5,159,000 |
| Equity capital | 4,083,000 | 4,239,000 | 4,272,000 | 4,432,000 |
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 | 841,000 | 1,709,000 | 2,550,000 | 3,332,000 |
| Interest expense | 233,000 | 458,000 | 667,000 | 862,000 |
| Net interest income | 608,000 | 1,251,000 | 1,883,000 | 2,470,000 |
| Noninterest income | 64,000 | 132,000 | 197,000 | 265,000 |
| Noninterest expense | 375,000 | 774,000 | 1,189,000 | 1,612,000 |
| Provision for loan losses | 30,000 | 68,000 | 93,000 | 115,000 |
| Pretax income | 265,000 | 539,000 | 794,000 | 1,007,000 |
| Income tax | 107,000 | 222,000 | 324,000 | 375,000 |
| Net income | 158,000 | 317,000 | 470,000 | 632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,073,000 | 4,231,000 | 4,268,000 | 4,430,000 |
| Total capital | 4,537,000 | 4,703,000 | 4,726,000 | 4,874,000 |
| Risk-weighted assets | 36,960,000 | 37,593,000 | 36,448,000 | 35,291,000 |