Call reports 2003
UNITED BANK & TRUST — 2003
What UNITED BANK & TRUST 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 | 454,032,000 | 474,149,000 | 471,395,000 | 464,234,000 |
| Total loans | 317,770,000 | 319,112,000 | 319,121,000 | 329,240,000 |
| Allowance for loan losses | 4,110,000 | 4,204,000 | 4,251,000 | 4,254,000 |
| Securities available for sale | 76,505,000 | 82,204,000 | 85,687,000 | 90,231,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,739,000 | 382,850,000 | 377,755,000 | 369,688,000 |
| Interest-bearing deposits | 314,153,000 | 322,595,000 | 319,655,000 | 317,281,000 |
| Noninterest-bearing deposits | 52,586,000 | 60,255,000 | 58,100,000 | 52,407,000 |
| Equity capital | 40,649,000 | 41,539,000 | 41,860,000 | 41,740,000 |
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 | 6,264,000 | 12,266,000 | 18,136,000 | 23,882,000 |
| Interest expense | 1,822,000 | 3,504,000 | 5,044,000 | 6,543,000 |
| Net interest income | 4,442,000 | 8,762,000 | 13,092,000 | 17,339,000 |
| Noninterest income | 2,327,000 | 4,719,000 | 7,699,000 | 10,190,000 |
| Noninterest expense | 4,324,000 | 8,576,000 | 12,945,000 | 17,296,000 |
| Provision for loan losses | 240,000 | 480,000 | 720,000 | 800,000 |
| Pretax income | 2,205,000 | 4,510,000 | 7,211,000 | 9,538,000 |
| Income tax | 666,000 | 1,384,000 | 2,179,000 | 2,807,000 |
| Net income | 1,539,000 | 3,126,000 | 5,032,000 | 6,731,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,155,000 | 39,092,000 | 39,731,000 | 39,727,000 |
| Total capital | 42,138,000 | 43,155,000 | 43,870,000 | 43,924,000 |
| Risk-weighted assets | 318,484,000 | 324,933,000 | 330,971,000 | 335,664,000 |
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