Call reports 2002
UNITED BANK & TRUST — 2002
What UNITED BANK & TRUST 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 | 507,946,000 | 511,652,000 | 532,847,000 | 531,114,000 |
| Total loans | 360,108,000 | 376,898,000 | 381,083,000 | 375,881,000 |
| Allowance for loan losses | 4,368,000 | 4,436,000 | 4,513,000 | 4,427,000 |
| Securities available for sale | 99,485,000 | 93,779,000 | 91,144,000 | 91,361,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 433,901,000 | 421,290,000 | 443,381,000 | 437,933,000 |
| Interest-bearing deposits | 372,914,000 | 362,606,000 | 377,566,000 | 371,415,000 |
| Noninterest-bearing deposits | 60,987,000 | 58,684,000 | 65,815,000 | 66,518,000 |
| Equity capital | 41,558,000 | 43,607,000 | 45,280,000 | 46,179,000 |
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 | 7,666,000 | 15,493,000 | 23,435,000 | 31,085,000 |
| Interest expense | 2,543,000 | 5,085,000 | 7,642,000 | 10,037,000 |
| Net interest income | 5,123,000 | 10,408,000 | 15,793,000 | 21,048,000 |
| Noninterest income | 2,254,000 | 4,530,000 | 6,879,000 | 9,803,000 |
| Noninterest expense | 4,768,000 | 9,532,000 | 14,347,000 | 19,416,000 |
| Provision for loan losses | 120,000 | 240,000 | 420,000 | 800,000 |
| Pretax income | 2,489,000 | 5,175,000 | 7,914,000 | 10,650,000 |
| Income tax | 709,000 | 1,500,000 | 2,316,000 | 3,126,000 |
| Net income | 1,780,000 | 3,675,000 | 5,598,000 | 7,524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,722,000 | 39,204,000 | 40,690,000 | 41,371,000 |
| Total capital | 42,077,000 | 43,640,000 | 45,203,000 | 45,798,000 |
| Risk-weighted assets | 348,373,000 | 365,129,000 | 366,409,000 | 365,303,000 |
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