Call reports 2003
UNITED BANK — 2003
What UNITED BANK 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 | 2,458,348,000 | 2,424,205,000 | 2,303,825,000 | 2,912,443,000 |
| Total loans | 1,652,384,000 | 1,721,536,000 | 1,548,939,000 | 1,809,344,000 |
| Allowance for loan losses | 17,937,000 | 17,762,000 | 17,723,000 | 21,625,000 |
| Securities available for sale | 408,069,000 | 376,870,000 | 391,205,000 | 574,151,000 |
| Securities held to maturity | 106,926,000 | 104,536,000 | 103,652,000 | 103,050,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,740,451,000 | 1,647,033,000 | 1,576,188,000 | 2,007,756,000 |
| Interest-bearing deposits | 1,272,850,000 | 1,154,358,000 | 1,152,981,000 | 1,413,083,000 |
| Noninterest-bearing deposits | 467,601,000 | 492,675,000 | 423,207,000 | 594,673,000 |
| Equity capital | 244,841,000 | 251,678,000 | 255,254,000 | 370,082,000 |
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 | 30,458,000 | 60,039,000 | 89,112,000 | 120,192,000 |
| Interest expense | 11,464,000 | 20,414,000 | 28,836,000 | 36,269,000 |
| Net interest income | 18,994,000 | 39,625,000 | 60,276,000 | 83,923,000 |
| Noninterest income | 13,433,000 | 30,356,000 | 48,564,000 | 62,204,000 |
| Noninterest expense | 20,109,000 | 42,823,000 | 65,569,000 | 93,501,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 12,941,000 | 28,439,000 | 44,511,000 | 53,778,000 |
| Income tax | 3,882,000 | 8,532,000 | 13,353,000 | 16,137,000 |
| Net income | 9,059,000 | 19,907,000 | 31,158,000 | 37,641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 175,385,000 | 181,553,000 | 188,129,000 | 216,226,000 |
| Total capital | 198,880,000 | 204,869,000 | 211,403,000 | 243,351,000 |
| Risk-weighted assets | 1,821,844,000 | 1,817,645,000 | 1,817,023,000 | 2,227,394,000 |