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 | 140,584,000 | 142,038,000 | 143,011,000 | 153,387,000 |
| Total loans | 90,742,000 | 92,380,000 | 95,897,000 | 98,026,000 |
| Allowance for loan losses | 1,362,000 | 1,394,000 | 1,425,000 | 1,455,000 |
| Securities available for sale | 23,411,000 | 20,023,000 | 22,707,000 | 23,203,000 |
| Securities held to maturity | 3,975,000 | 3,681,000 | 3,428,000 | 3,301,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,436,000 | 122,995,000 | 124,645,000 | 132,804,000 |
| Interest-bearing deposits | 108,204,000 | 106,380,000 | 107,862,000 | 115,365,000 |
| Noninterest-bearing deposits | 15,232,000 | 16,615,000 | 16,783,000 | 17,440,000 |
| Equity capital | 13,002,000 | 13,495,000 | 12,765,000 | 12,696,000 |
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 | 2,132,000 | 4,182,000 | 6,251,000 | 8,296,000 |
| Interest expense | 881,000 | 1,779,000 | 2,616,000 | 3,430,000 |
| Net interest income | 1,251,000 | 2,403,000 | 3,635,000 | 4,866,000 |
| Noninterest income | 258,000 | 528,000 | 790,000 | 1,088,000 |
| Noninterest expense | 850,000 | 1,702,000 | 2,561,000 | 3,448,000 |
| Provision for loan losses | -3,000 | 37,000 | 91,000 | 879,000 |
| Pretax income | 662,000 | 1,274,000 | 1,853,000 | 1,707,000 |
| Income tax | 190,000 | 362,000 | 536,000 | 452,000 |
| Net income | 472,000 | 912,000 | 1,317,000 | 1,255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,855,000 | 13,316,000 | 12,461,000 | 12,420,000 |
| Total capital | 13,981,000 | 14,472,000 | 13,644,000 | 13,652,000 |
| Risk-weighted assets | 89,831,000 | 92,240,000 | 94,378,000 | 98,331,000 |