Call reports 2001
UNITED BANK & TRUST — 2001
What UNITED BANK & TRUST reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 18,505,000 | 18,274,000 | 18,336,000 | 18,768,000 |
| Total loans | 11,702,000 | 12,107,000 | 12,662,000 | 13,120,000 |
| Allowance for loan losses | 257,000 | 256,000 | 256,000 | 281,000 |
| Securities available for sale | 4,523,000 | 4,502,000 | 4,268,000 | 3,987,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,612,000 | 15,285,000 | 15,266,000 | 15,833,000 |
| Interest-bearing deposits | 14,194,000 | 14,038,000 | 13,711,000 | 13,982,000 |
| Noninterest-bearing deposits | 1,418,000 | 1,247,000 | 1,555,000 | 1,851,000 |
| Equity capital | 2,701,000 | 2,794,000 | 2,880,000 | 2,696,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 374,000 | 747,000 | 1,119,000 | 1,483,000 |
| Interest expense | 176,000 | 347,000 | 505,000 | 639,000 |
| Net interest income | 198,000 | 400,000 | 614,000 | 844,000 |
| Noninterest income | 11,000 | 29,000 | 41,000 | 55,000 |
| Noninterest expense | 127,000 | 264,000 | 397,000 | 597,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 82,000 | 165,000 | 258,000 | 272,000 |
| Income tax | 30,000 | 10,000 | 39,000 | 112,000 |
| Net income | 52,000 | 155,000 | 219,000 | 160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,629,000 | 2,732,000 | 2,796,000 | 2,642,000 |
| Total capital | 2,795,000 | 2,904,000 | 2,973,000 | 2,824,000 |
| Risk-weighted assets | 13,189,000 | 13,662,000 | 14,100,000 | 14,509,000 |