Call reports 2003
UNITED BANK, INC. — 2003
What UNITED BANK, INC. 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 | 3,414,395,000 | 3,451,616,000 | 3,490,377,000 | 3,647,612,000 |
| Total loans | 2,333,613,000 | 2,405,058,000 | 2,413,348,000 | 2,464,641,000 |
| Allowance for loan losses | 29,048,000 | 29,083,000 | 29,210,000 | 28,807,000 |
| Securities available for sale | 616,112,000 | 612,098,000 | 557,834,000 | 617,487,000 |
| Securities held to maturity | 148,525,000 | 147,186,000 | 145,455,000 | 134,426,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,250,670,000 | 2,233,185,000 | 2,206,296,000 | 2,247,824,000 |
| Interest-bearing deposits | 1,880,064,000 | 1,853,126,000 | 1,832,414,000 | 1,854,682,000 |
| Noninterest-bearing deposits | 370,606,000 | 380,059,000 | 373,882,000 | 393,142,000 |
| Equity capital | 260,573,000 | 262,212,000 | 260,159,000 | 254,400,000 |
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 | 46,953,000 | 91,845,000 | 135,344,000 | 178,379,000 |
| Interest expense | 18,604,000 | 36,721,000 | 53,632,000 | 69,577,000 |
| Net interest income | 28,349,000 | 55,124,000 | 81,712,000 | 108,802,000 |
| Noninterest income | 9,258,000 | 19,282,000 | 29,777,000 | 39,443,000 |
| Noninterest expense | 17,575,000 | 35,766,000 | 53,903,000 | 83,708,000 |
| Provision for loan losses | 1,455,000 | 3,751,000 | 5,973,000 | 7,475,000 |
| Pretax income | 18,818,000 | 35,203,000 | 51,889,000 | 57,332,000 |
| Income tax | 5,645,000 | 10,561,000 | 15,567,000 | 17,200,000 |
| Net income | 13,173,000 | 24,642,000 | 36,322,000 | 40,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 281,655,000 | 283,302,000 | 285,163,000 | 280,152,000 |
| Total capital | 310,703,000 | 313,385,000 | 315,373,000 | 309,959,000 |
| Risk-weighted assets | 2,603,324,000 | 2,622,209,000 | 2,648,142,000 | 2,656,150,000 |