Call reports 2003
UNITED BANK, NATIONAL ASSOCIATION — 2003
What UNITED BANK, NATIONAL ASSOCIATION 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 | 242,429,000 | 231,803,000 | 222,049,000 | 244,968,000 |
| Total loans | 93,258,000 | 93,286,000 | 92,720,000 | 93,669,000 |
| Allowance for loan losses | 2,312,000 | 2,376,000 | 2,354,000 | 2,164,000 |
| Securities available for sale | 97,417,000 | 88,932,000 | 82,689,000 | 132,176,000 |
| Securities held to maturity | 32,241,000 | 9,378,000 | 2,105,000 | 1,298,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,604,000 | 182,045,000 | 182,112,000 | 181,259,000 |
| Interest-bearing deposits | 150,093,000 | 156,979,000 | 156,168,000 | 154,666,000 |
| Noninterest-bearing deposits | 28,511,000 | 25,066,000 | 25,944,000 | 26,593,000 |
| Equity capital | 17,853,000 | 19,091,000 | 19,402,000 | 15,909,000 |
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 | 3,006,000 | 5,993,000 | 8,511,000 | 11,243,000 |
| Interest expense | 701,000 | 1,414,000 | 2,025,000 | 2,628,000 |
| Net interest income | 2,305,000 | 4,579,000 | 6,486,000 | 8,615,000 |
| Noninterest income | 755,000 | 1,482,000 | 2,105,000 | 2,526,000 |
| Noninterest expense | 1,480,000 | 2,942,000 | 4,396,000 | 5,950,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 110,000 |
| Pretax income | 1,302,000 | 2,751,000 | 3,963,000 | 5,047,000 |
| Income tax | 400,000 | 856,000 | 1,240,000 | 1,580,000 |
| Net income | 902,000 | 1,895,000 | 2,723,000 | 3,467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,514,000 | 14,641,000 | 15,370,000 | 12,495,000 |
| Total capital | 15,017,000 | 16,097,000 | 16,827,000 | 14,008,000 |
| Risk-weighted assets | 119,396,000 | 115,576,000 | 115,702,000 | 120,378,000 |