Call reports 2011
UNITED BANK AND TRUST COMPANY — 2011
What UNITED BANK AND TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 124,961,000 | 126,494,000 | 129,713,000 | 129,831,000 |
| Total loans | 64,679,000 | 65,172,000 | 74,149,000 | 73,842,000 |
| Allowance for loan losses | 737,000 | 740,000 | 752,000 | 767,000 |
| Securities available for sale | 47,642,000 | 45,737,000 | 44,023,000 | 42,976,000 |
| Securities held to maturity | 1,382,000 | 1,217,000 | 1,216,000 | 1,216,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,673,000 | 106,506,000 | 104,929,000 | 109,063,000 |
| Interest-bearing deposits | 91,175,000 | 91,544,000 | 87,465,000 | 90,129,000 |
| Noninterest-bearing deposits | 14,498,000 | 14,961,000 | 17,464,000 | 18,934,000 |
| Equity capital | 15,530,000 | 16,211,000 | 16,869,000 | 17,077,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,295,000 | 2,564,000 | 3,874,000 | 5,159,000 |
| Interest expense | 283,000 | 563,000 | 820,000 | 1,061,000 |
| Net interest income | 1,012,000 | 2,001,000 | 3,054,000 | 4,098,000 |
| Noninterest income | 118,000 | 240,000 | 357,000 | 507,000 |
| Noninterest expense | 744,000 | 1,408,000 | 2,039,000 | 2,733,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 371,000 | 803,000 | 1,327,000 | 1,812,000 |
| Income tax | 19,000 | 40,000 | 66,000 | 91,000 |
| Net income | 352,000 | 763,000 | 1,261,000 | 1,721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,494,000 | 14,728,000 | 15,114,000 | 15,472,000 |
| Total capital | 15,231,000 | 15,468,000 | 15,866,000 | 16,239,000 |
| Risk-weighted assets | 80,685,000 | 83,064,000 | 91,664,000 | 91,996,000 |