Call reports 2001
UNITED BANKING COMPANY, THE — 2001
What UNITED BANKING COMPANY, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 86,386,000 | 88,759,000 | 87,752,000 | 84,199,000 |
| Total loans | 61,195,000 | 60,539,000 | 60,720,000 | 58,035,000 |
| Allowance for loan losses | 2,723,000 | 2,080,000 | 1,925,000 | 1,451,000 |
| Securities available for sale | 5,158,000 | 6,195,000 | 6,149,000 | 9,565,000 |
| Securities held to maturity | 492,000 | 493,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,220,000 | 82,088,000 | 80,579,000 | 77,441,000 |
| Interest-bearing deposits | 68,239,000 | 71,282,000 | 68,873,000 | 62,653,000 |
| Noninterest-bearing deposits | 10,981,000 | 10,806,000 | 11,706,000 | 14,788,000 |
| Equity capital | 4,706,000 | 4,323,000 | 4,945,000 | 4,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,678,000 | 3,379,000 | 5,006,000 | 6,307,000 |
| Interest expense | 1,061,000 | 2,109,000 | 3,079,000 | 3,919,000 |
| Net interest income | 617,000 | 1,270,000 | 1,927,000 | 2,388,000 |
| Noninterest income | 101,000 | -78,000 | 79,000 | 525,000 |
| Noninterest expense | 665,000 | 1,476,000 | 2,042,000 | 3,258,000 |
| Provision for loan losses | 60,000 | 120,000 | 160,000 | 160,000 |
| Pretax income | -7,000 | -404,000 | -196,000 | -505,000 |
| Income tax | 7,000 | 7,000 | -40,000 | -192,000 |
| Net income | -14,000 | -411,000 | -156,000 | -313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,685,000 | 4,285,000 | 4,140,000 | 3,765,000 |
| Total capital | 5,494,000 | 5,088,000 | 4,951,000 | 4,501,000 |
| Risk-weighted assets | 62,787,000 | 62,982,000 | 63,616,000 | 58,166,000 |