Call reports 2010
UNITED BANK AND TRUST COMPANY — 2010
What UNITED BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 118,222,000 | 123,090,000 | 117,537,000 | 122,660,000 |
| Total loans | 59,630,000 | 62,913,000 | 64,350,000 | 69,188,000 |
| Allowance for loan losses | 711,000 | 721,000 | 711,000 | 722,000 |
| Securities available for sale | 43,980,000 | 43,397,000 | 39,713,000 | 42,323,000 |
| Securities held to maturity | 3,027,000 | 2,271,000 | 2,269,000 | 1,748,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,788,000 | 104,183,000 | 97,677,000 | 101,796,000 |
| Interest-bearing deposits | 86,686,000 | 84,283,000 | 82,455,000 | 86,867,000 |
| Noninterest-bearing deposits | 13,102,000 | 19,900,000 | 15,222,000 | 14,929,000 |
| Equity capital | 14,625,000 | 15,072,000 | 15,656,000 | 15,394,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,339,000 | 2,710,000 | 4,077,000 | 5,407,000 |
| Interest expense | 329,000 | 659,000 | 971,000 | 1,271,000 |
| Net interest income | 1,010,000 | 2,051,000 | 3,106,000 | 4,136,000 |
| Noninterest income | 110,000 | 225,000 | 330,000 | 468,000 |
| Noninterest expense | 714,000 | 1,357,000 | 2,005,000 | 2,695,000 |
| Provision for loan losses | 11,000 | 21,000 | 32,000 | 42,000 |
| Pretax income | 395,000 | 898,000 | 1,399,000 | 1,867,000 |
| Income tax | 20,000 | 45,000 | 70,000 | 93,000 |
| Net income | 375,000 | 853,000 | 1,329,000 | 1,774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,284,000 | 13,564,000 | 13,954,000 | 14,412,000 |
| Total capital | 13,995,000 | 14,285,000 | 14,665,000 | 15,134,000 |
| Risk-weighted assets | 76,657,000 | 79,541,000 | 79,391,000 | 83,648,000 |
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