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 | 20,801,000 | 19,867,000 | 20,470,000 | 21,000,000 |
| Total loans | 13,073,000 | 13,223,000 | 12,364,000 | 12,807,000 |
| Allowance for loan losses | 285,000 | 309,000 | 310,000 | 310,000 |
| Securities available for sale | 5,160,000 | 4,554,000 | 6,278,000 | 5,264,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,856,000 | 16,866,000 | 17,505,000 | 18,167,000 |
| Interest-bearing deposits | 16,147,000 | 15,497,000 | 16,074,000 | 16,202,000 |
| Noninterest-bearing deposits | 1,709,000 | 1,368,000 | 1,431,000 | 1,965,000 |
| Equity capital | 2,688,000 | 2,793,000 | 2,777,000 | 2,643,000 |
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 | 315,000 | 589,000 | 862,000 | 1,153,000 |
| Interest expense | 95,000 | 176,000 | 252,000 | 327,000 |
| Net interest income | 220,000 | 413,000 | 610,000 | 826,000 |
| Noninterest income | 17,000 | 29,000 | 41,000 | 50,000 |
| Noninterest expense | 147,000 | 287,000 | 441,000 | 642,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 20,000 |
| Pretax income | 118,000 | 219,000 | 266,000 | 276,000 |
| Income tax | 41,000 | 30,000 | 72,000 | 93,000 |
| Net income | 77,000 | 189,000 | 194,000 | 183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,630,000 | 2,742,000 | 2,747,000 | 2,611,000 |
| Total capital | 2,819,000 | 2,930,000 | 2,932,000 | 2,802,000 |
| Risk-weighted assets | 15,060,000 | 14,923,000 | 14,697,000 | 15,125,000 |