Call reports 2002
UNITED BANK, NATIONAL ASSOCIATION — 2002
What UNITED BANK, NATIONAL ASSOCIATION 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 | 196,636,000 | 196,694,000 | 196,117,000 | 192,395,000 |
| Total loans | 87,825,000 | 92,716,000 | 97,851,000 | 97,001,000 |
| Allowance for loan losses | 2,069,000 | 2,434,000 | 2,463,000 | 2,184,000 |
| Securities available for sale | 91,546,000 | 73,029,000 | 75,888,000 | 55,721,000 |
| Securities held to maturity | 0 | 0 | 0 | 15,865,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,053,000 | 172,667,000 | 171,525,000 | 167,887,000 |
| Interest-bearing deposits | 145,363,000 | 151,372,000 | 145,507,000 | 142,211,000 |
| Noninterest-bearing deposits | 23,690,000 | 21,295,000 | 26,018,000 | 25,676,000 |
| Equity capital | 16,400,000 | 18,088,000 | 18,884,000 | 16,675,000 |
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 | 3,021,000 | 6,060,000 | 9,087,000 | 11,941,000 |
| Interest expense | 874,000 | 1,684,000 | 2,454,000 | 3,179,000 |
| Net interest income | 2,147,000 | 4,376,000 | 6,633,000 | 8,762,000 |
| Noninterest income | 445,000 | 690,000 | 1,132,000 | 1,907,000 |
| Noninterest expense | 1,557,000 | 2,943,000 | 4,376,000 | 5,951,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 205,000 |
| Pretax income | 861,000 | 1,870,000 | 3,046,000 | 4,440,000 |
| Income tax | 226,000 | 499,000 | 877,000 | 1,295,000 |
| Net income | 635,000 | 1,371,000 | 2,169,000 | 3,145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,546,000 | 13,420,000 | 14,360,000 | 12,473,000 |
| Total capital | 13,869,000 | 14,784,000 | 15,751,000 | 13,835,000 |
| Risk-weighted assets | 105,063,000 | 108,029,000 | 110,230,000 | 108,309,000 |