Call reports 2009
UNITED BANK AND TRUST COMPANY — 2009
What UNITED BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 107,568,000 | 112,273,000 | 114,604,000 | 121,130,000 |
| Total loans | 55,852,000 | 56,675,000 | 59,618,000 | 60,902,000 |
| Allowance for loan losses | 637,000 | 659,000 | 681,000 | 700,000 |
| Securities available for sale | 35,017,000 | 41,801,000 | 40,882,000 | 43,669,000 |
| Securities held to maturity | 3,985,000 | 3,033,000 | 3,031,000 | 3,029,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,803,000 | 94,389,000 | 95,988,000 | 103,066,000 |
| Interest-bearing deposits | 79,418,000 | 80,183,000 | 80,778,000 | 87,908,000 |
| Noninterest-bearing deposits | 12,385,000 | 14,206,000 | 15,210,000 | 15,158,000 |
| Equity capital | 13,945,000 | 13,971,000 | 14,730,000 | 14,269,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,318,000 | 2,677,000 | 4,034,000 | 5,404,000 |
| Interest expense | 383,000 | 772,000 | 1,145,000 | 1,500,000 |
| Net interest income | 935,000 | 1,905,000 | 2,889,000 | 3,904,000 |
| Noninterest income | 102,000 | 221,000 | 328,000 | 454,000 |
| Noninterest expense | 663,000 | 1,396,000 | 2,021,000 | 2,811,000 |
| Provision for loan losses | 22,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 352,000 | 685,000 | 1,128,000 | 1,457,000 |
| Income tax | 18,000 | 14,000 | 56,000 | 74,000 |
| Net income | 334,000 | 671,000 | 1,072,000 | 1,383,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,611,000 | 12,759,000 | 13,071,000 | 12,896,000 |
| Total capital | 13,248,000 | 13,418,000 | 13,752,000 | 13,596,000 |
| Risk-weighted assets | 67,310,000 | 70,167,000 | 76,542,000 | 78,691,000 |