Call reports 2012
UNITED BANK AND TRUST COMPANY — 2012
What UNITED BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 136,093,000 | 139,799,000 | 142,809,000 | 153,001,000 |
| Total loans | 69,949,000 | 72,584,000 | 74,098,000 | 78,352,000 |
| Allowance for loan losses | 769,000 | 787,000 | 793,000 | 818,000 |
| Securities available for sale | 49,808,000 | 49,596,000 | 54,402,000 | 57,713,000 |
| Securities held to maturity | 1,216,000 | 1,216,000 | 851,000 | 851,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,149,000 | 118,409,000 | 120,956,000 | 129,055,000 |
| Interest-bearing deposits | 94,835,000 | 97,781,000 | 102,205,000 | 104,525,000 |
| Noninterest-bearing deposits | 20,314,000 | 20,628,000 | 18,751,000 | 24,530,000 |
| Equity capital | 17,214,000 | 17,612,000 | 18,084,000 | 17,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,239,000 | 2,494,000 | 3,745,000 | 4,992,000 |
| Interest expense | 228,000 | 446,000 | 639,000 | 823,000 |
| Net interest income | 1,011,000 | 2,048,000 | 3,106,000 | 4,169,000 |
| Noninterest income | 108,000 | 220,000 | 309,000 | 428,000 |
| Noninterest expense | 779,000 | 1,454,000 | 2,115,000 | 2,769,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 317,000 | 769,000 | 1,232,000 | 1,738,000 |
| Income tax | 16,000 | 38,000 | 62,000 | 87,000 |
| Net income | 301,000 | 731,000 | 1,170,000 | 1,651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,736,000 | 16,033,000 | 16,380,000 | 16,566,000 |
| Total capital | 16,505,000 | 16,820,000 | 17,173,000 | 17,384,000 |
| Risk-weighted assets | 91,291,000 | 94,286,000 | 95,588,000 | 96,318,000 |