Call reports 2008
UNITED BANK AND TRUST COMPANY — 2008
What UNITED BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 101,511,000 | 104,464,000 | 103,679,000 | 105,846,000 |
| Total loans | 59,610,000 | 59,978,000 | 62,730,000 | 60,284,000 |
| Allowance for loan losses | 548,000 | 571,000 | 593,000 | 614,000 |
| Securities available for sale | 25,666,000 | 28,735,000 | 28,385,000 | 30,790,000 |
| Securities held to maturity | 4,844,000 | 4,193,000 | 4,190,000 | 3,988,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,040,000 | 91,369,000 | 87,417,000 | 89,841,000 |
| Interest-bearing deposits | 74,679,000 | 76,245,000 | 73,013,000 | 75,414,000 |
| Noninterest-bearing deposits | 13,361,000 | 15,124,000 | 14,404,000 | 14,427,000 |
| Equity capital | 13,053,000 | 12,636,000 | 13,030,000 | 13,635,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,346,000 | 2,721,000 | 4,121,000 | 5,516,000 |
| Interest expense | 519,000 | 1,009,000 | 1,472,000 | 1,902,000 |
| Net interest income | 827,000 | 1,712,000 | 2,649,000 | 3,614,000 |
| Noninterest income | 98,000 | 208,000 | 315,000 | 450,000 |
| Noninterest expense | 677,000 | 1,264,000 | 1,906,000 | 2,533,000 |
| Provision for loan losses | 22,000 | 45,000 | 67,000 | 90,000 |
| Pretax income | 226,000 | 660,000 | 1,040,000 | 1,490,000 |
| Income tax | -41,000 | -19,000 | 0 | 38,000 |
| Net income | 267,000 | 679,000 | 1,040,000 | 1,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,861,000 | 12,074,000 | 12,338,000 | 12,263,000 |
| Total capital | 12,409,000 | 12,645,000 | 12,931,000 | 12,877,000 |
| Risk-weighted assets | 67,909,000 | 69,255,000 | 71,060,000 | 70,245,000 |