Call reports 2005
UNITED BANK AND TRUST COMPANY — 2005
What UNITED BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 79,169,000 | 76,514,000 | 79,028,000 | 84,037,000 |
| Total loans | 40,062,000 | 40,292,000 | 42,972,000 | 42,765,000 |
| Allowance for loan losses | 496,000 | 500,000 | 504,000 | 508,000 |
| Securities available for sale | 22,742,000 | 19,603,000 | 18,411,000 | 21,580,000 |
| Securities held to maturity | 10,875,000 | 10,269,000 | 10,233,000 | 10,320,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,770,000 | 65,170,000 | 64,721,000 | 72,772,000 |
| Interest-bearing deposits | 57,627,000 | 56,643,000 | 54,745,000 | 59,268,000 |
| Noninterest-bearing deposits | 9,143,000 | 8,527,000 | 9,976,000 | 13,503,000 |
| Equity capital | 10,787,000 | 11,031,000 | 10,996,000 | 11,018,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 859,000 | 1,739,000 | 2,638,000 | 3,588,000 |
| Interest expense | 248,000 | 513,000 | 812,000 | 1,163,000 |
| Net interest income | 611,000 | 1,226,000 | 1,826,000 | 2,425,000 |
| Noninterest income | 71,000 | 147,000 | 224,000 | 321,000 |
| Noninterest expense | 503,000 | 1,037,000 | 1,573,000 | 2,174,000 |
| Provision for loan losses | 15,000 | 24,000 | 33,000 | 42,000 |
| Pretax income | 164,000 | 290,000 | 412,000 | 466,000 |
| Income tax | 112,000 | 118,000 | 124,000 | 129,000 |
| Net income | 52,000 | 172,000 | 288,000 | 337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,667,000 | 10,767,000 | 10,822,000 | 10,883,000 |
| Total capital | 11,163,000 | 11,267,000 | 11,326,000 | 11,391,000 |
| Risk-weighted assets | 48,087,000 | 49,124,000 | 51,724,000 | 53,995,000 |