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 | 19,366,000 | 19,423,000 | 19,747,000 | 20,453,000 |
| Total loans | 12,602,000 | 12,898,000 | 13,135,000 | 13,387,000 |
| Allowance for loan losses | 280,000 | 284,000 | 284,000 | 284,000 |
| Securities available for sale | 3,545,000 | 4,216,000 | 4,164,000 | 4,171,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,338,000 | 16,333,000 | 16,596,000 | 17,343,000 |
| Interest-bearing deposits | 14,923,000 | 15,045,000 | 15,092,000 | 15,565,000 |
| Noninterest-bearing deposits | 1,415,000 | 1,288,000 | 1,504,000 | 1,778,000 |
| Equity capital | 2,782,000 | 2,870,000 | 2,933,000 | 2,875,000 |
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 | 343,000 | 668,000 | 998,000 | 1,330,000 |
| Interest expense | 123,000 | 242,000 | 359,000 | 471,000 |
| Net interest income | 220,000 | 426,000 | 639,000 | 859,000 |
| Noninterest income | 18,000 | 33,000 | 49,000 | 64,000 |
| Noninterest expense | 129,000 | 279,000 | 432,000 | 641,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 109,000 | 180,000 | 256,000 | 280,000 |
| Income tax | 35,000 | 22,000 | 49,000 | 68,000 |
| Net income | 74,000 | 158,000 | 207,000 | 212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,716,000 | 2,800,000 | 2,847,000 | 2,803,000 |
| Total capital | 2,895,000 | 2,981,000 | 3,034,000 | 3,000,000 |
| Risk-weighted assets | 14,239,000 | 14,373,000 | 14,827,000 | 15,671,000 |