Call reports 2004
UNITED BANK AND TRUST COMPANY — 2004
What UNITED BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 77,124,000 | 76,018,000 | 75,830,000 | 78,082,000 |
| Total loans | 36,431,000 | 37,703,000 | 39,363,000 | 38,805,000 |
| Allowance for loan losses | 463,000 | 470,000 | 467,000 | 482,000 |
| Securities available for sale | 25,262,000 | 23,960,000 | 19,961,000 | 21,550,000 |
| Securities held to maturity | 10,083,000 | 9,596,000 | 10,476,000 | 10,460,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,747,000 | 64,906,000 | 64,440,000 | 66,905,000 |
| Interest-bearing deposits | 57,267,000 | 56,491,000 | 55,220,000 | 56,670,000 |
| Noninterest-bearing deposits | 8,480,000 | 8,415,000 | 9,220,000 | 10,235,000 |
| Equity capital | 11,048,000 | 10,937,000 | 11,169,000 | 10,995,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 881,000 | 1,760,000 | 2,624,000 | 3,481,000 |
| Interest expense | 237,000 | 472,000 | 714,000 | 956,000 |
| Net interest income | 644,000 | 1,288,000 | 1,910,000 | 2,525,000 |
| Noninterest income | 70,000 | 136,000 | 208,000 | 283,000 |
| Noninterest expense | 491,000 | 974,000 | 1,424,000 | 1,978,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 208,000 | 420,000 | 648,000 | 771,000 |
| Income tax | 35,000 | 87,000 | 147,000 | 170,000 |
| Net income | 173,000 | 333,000 | 501,000 | 601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,334,000 | 10,507,000 | 10,689,000 | 10,602,000 |
| Total capital | 10,797,000 | 10,977,000 | 11,156,000 | 11,084,000 |
| Risk-weighted assets | 43,869,000 | 44,670,000 | 45,965,000 | 46,714,000 |
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