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 | 149,127,000 | 143,687,000 | 149,071,000 | 161,119,000 |
| Total loans | 93,430,000 | 95,447,000 | 96,798,000 | 101,115,000 |
| Allowance for loan losses | 1,424,000 | 1,433,000 | 1,480,000 | 1,481,000 |
| Securities available for sale | 20,800,000 | 23,810,000 | 32,200,000 | 38,031,000 |
| Securities held to maturity | 3,279,000 | 2,916,000 | 2,780,000 | 2,779,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,064,000 | 125,338,000 | 129,159,000 | 141,721,000 |
| Interest-bearing deposits | 111,704,000 | 108,868,000 | 111,332,000 | 117,229,000 |
| Noninterest-bearing deposits | 16,360,000 | 16,470,000 | 17,827,000 | 24,492,000 |
| Equity capital | 13,057,000 | 11,048,000 | 11,351,000 | 11,129,000 |
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 | 1,906,000 | 3,710,000 | 5,598,000 | 7,438,000 |
| Interest expense | 753,000 | 1,428,000 | 2,065,000 | 2,634,000 |
| Net interest income | 1,153,000 | 2,282,000 | 3,533,000 | 4,804,000 |
| Noninterest income | 293,000 | 624,000 | 957,000 | 1,261,000 |
| Noninterest expense | 908,000 | 1,837,000 | 2,770,000 | 3,703,000 |
| Provision for loan losses | 0 | 36,000 | 74,000 | 173,000 |
| Pretax income | 565,000 | 1,060,000 | 1,781,000 | 2,324,000 |
| Income tax | 156,000 | 294,000 | 482,000 | 651,000 |
| Net income | 409,000 | 766,000 | 1,299,000 | 1,673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,838,000 | 10,713,000 | 11,256,000 | 11,033,000 |
| Total capital | 14,044,000 | 11,914,000 | 12,498,000 | 12,334,000 |
| Risk-weighted assets | 96,275,000 | 95,838,000 | 99,104,000 | 103,897,000 |