Call reports 2006
UNITED BANK AND TRUST COMPANY — 2006
What UNITED BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 83,857,000 | 85,186,000 | 87,695,000 | 88,687,000 |
| Total loans | 43,848,000 | 46,379,000 | 48,238,000 | 47,759,000 |
| Allowance for loan losses | 515,000 | 517,000 | 517,000 | 517,000 |
| Securities available for sale | 22,297,000 | 22,242,000 | 23,647,000 | 24,842,000 |
| Securities held to maturity | 10,110,000 | 8,134,000 | 7,649,000 | 7,288,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,982,000 | 71,101,000 | 73,548,000 | 76,885,000 |
| Interest-bearing deposits | 61,033,000 | 59,486,000 | 63,919,000 | 66,342,000 |
| Noninterest-bearing deposits | 10,949,000 | 11,615,000 | 9,629,000 | 10,543,000 |
| Equity capital | 10,958,000 | 10,898,000 | 11,305,000 | 11,495,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 980,000 | 2,022,000 | 3,140,000 | 4,297,000 |
| Interest expense | 395,000 | 834,000 | 1,347,000 | 1,887,000 |
| Net interest income | 585,000 | 1,188,000 | 1,793,000 | 2,410,000 |
| Noninterest income | 88,000 | 170,000 | 253,000 | 361,000 |
| Noninterest expense | 634,000 | 1,176,000 | 1,776,000 | 2,339,000 |
| Provision for loan losses | 6,000 | 6,000 | 6,000 | 6,000 |
| Pretax income | 33,000 | 139,000 | 224,000 | 386,000 |
| Income tax | 0 | 7,000 | 11,000 | 12,000 |
| Net income | 33,000 | 132,000 | 213,000 | 374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,930,000 | 11,027,000 | 11,121,000 | 11,284,000 |
| Total capital | 11,445,000 | 11,544,000 | 11,638,000 | 11,801,000 |
| Risk-weighted assets | 54,391,000 | 55,779,000 | 57,028,000 | 57,927,000 |
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