Call reports 2007
UNITED BANK AND TRUST COMPANY — 2007
What UNITED BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 91,193,000 | 93,422,000 | 95,180,000 | 97,436,000 |
| Total loans | 50,571,000 | 53,261,000 | 56,044,000 | 57,643,000 |
| Allowance for loan losses | 517,000 | 510,000 | 518,000 | 526,000 |
| Securities available for sale | 25,771,000 | 25,773,000 | 24,667,000 | 24,491,000 |
| Securities held to maturity | 6,600,000 | 6,338,000 | 6,330,000 | 5,479,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,821,000 | 80,977,000 | 81,520,000 | 84,708,000 |
| Interest-bearing deposits | 68,371,000 | 69,871,000 | 70,998,000 | 69,902,000 |
| Noninterest-bearing deposits | 10,450,000 | 11,106,000 | 10,522,000 | 14,806,000 |
| Equity capital | 11,637,000 | 11,490,000 | 12,009,000 | 12,274,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,174,000 | 2,467,000 | 3,785,000 | 5,142,000 |
| Interest expense | 545,000 | 1,142,000 | 1,764,000 | 2,345,000 |
| Net interest income | 629,000 | 1,325,000 | 2,021,000 | 2,797,000 |
| Noninterest income | 80,000 | 181,000 | 288,000 | 447,000 |
| Noninterest expense | 611,000 | 1,202,000 | 1,810,000 | 2,397,000 |
| Provision for loan losses | 0 | 3,000 | 10,000 | 18,000 |
| Pretax income | 39,000 | 242,000 | 442,000 | 745,000 |
| Income tax | 2,000 | 12,000 | 22,000 | 37,000 |
| Net income | 37,000 | 230,000 | 420,000 | 708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,304,000 | 11,413,000 | 11,564,000 | 11,582,000 |
| Total capital | 11,821,000 | 11,923,000 | 12,082,000 | 12,108,000 |
| Risk-weighted assets | 59,246,000 | 61,894,000 | 64,408,000 | 66,537,000 |
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