Call reports 2002
UNITED BANK, INC. — 2002
What UNITED BANK, INC. 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 | 3,417,267,000 | 3,430,350,000 | 3,484,092,000 | 3,462,208,000 |
| Total loans | 2,313,424,000 | 2,395,187,000 | 2,465,748,000 | 2,492,530,000 |
| Allowance for loan losses | 29,488,000 | 29,291,000 | 29,401,000 | 29,460,000 |
| Securities available for sale | 680,316,000 | 645,994,000 | 606,319,000 | 586,597,000 |
| Securities held to maturity | 160,475,000 | 158,172,000 | 158,076,000 | 149,393,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,274,936,000 | 2,238,693,000 | 2,242,253,000 | 2,239,620,000 |
| Interest-bearing deposits | 1,959,432,000 | 1,908,685,000 | 1,876,082,000 | 1,879,690,000 |
| Noninterest-bearing deposits | 315,504,000 | 330,008,000 | 366,171,000 | 359,930,000 |
| Equity capital | 243,511,000 | 254,473,000 | 258,493,000 | 258,529,000 |
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 | 54,161,000 | 107,637,000 | 162,392,000 | 212,686,000 |
| Interest expense | 23,947,000 | 46,423,000 | 67,664,000 | 87,939,000 |
| Net interest income | 30,214,000 | 61,214,000 | 94,728,000 | 124,747,000 |
| Noninterest income | 8,053,000 | 16,368,000 | 25,346,000 | 34,382,000 |
| Noninterest expense | 17,752,000 | 35,505,000 | 54,657,000 | 72,815,000 |
| Provision for loan losses | 2,228,000 | 3,902,000 | 5,725,000 | 7,937,000 |
| Pretax income | 18,003,000 | 37,558,000 | 54,579,000 | 71,716,000 |
| Income tax | 5,851,000 | 11,913,000 | 17,020,000 | 22,032,000 |
| Net income | 12,152,000 | 25,645,000 | 37,559,000 | 49,684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 269,332,000 | 273,470,000 | 275,952,000 | 278,084,000 |
| Total capital | 298,820,000 | 302,761,000 | 305,353,000 | 307,544,000 |
| Risk-weighted assets | 2,504,532,000 | 2,549,639,000 | 2,625,094,000 | 2,663,819,000 |