Call reports 2001
UNITED BANK & TRUST COMPANY — 2001
What UNITED BANK & TRUST COMPANY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 63,071,000 | 64,157,000 | 66,040,000 | 65,184,000 |
| Total loans | 44,636,000 | 47,419,000 | 46,499,000 | 48,794,000 |
| Allowance for loan losses | 721,000 | 675,000 | 490,000 | 482,000 |
| Securities available for sale | 9,521,000 | 9,571,000 | 11,450,000 | 11,348,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,594,000 | 51,604,000 | 53,387,000 | 51,996,000 |
| Interest-bearing deposits | 45,830,000 | 46,411,000 | 47,687,000 | 46,204,000 |
| Noninterest-bearing deposits | 4,764,000 | 5,193,000 | 5,700,000 | 5,792,000 |
| Equity capital | 5,511,000 | 5,645,000 | 5,845,000 | 5,906,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,317,000 | 2,665,000 | 3,938,000 | 5,107,000 |
| Interest expense | 616,000 | 1,217,000 | 1,749,000 | 2,218,000 |
| Net interest income | 701,000 | 1,448,000 | 2,189,000 | 2,889,000 |
| Noninterest income | 121,000 | 240,000 | 347,000 | 484,000 |
| Noninterest expense | 569,000 | 1,119,000 | 1,637,000 | 2,220,000 |
| Provision for loan losses | 9,000 | 10,000 | 45,000 | 49,000 |
| Pretax income | 244,000 | 556,000 | 851,000 | 1,101,000 |
| Income tax | 85,000 | 194,000 | 297,000 | 374,000 |
| Net income | 159,000 | 362,000 | 554,000 | 727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,456,000 | 5,595,000 | 5,722,000 | 5,830,000 |
| Total capital | 6,005,000 | 6,172,000 | 6,212,000 | 6,312,000 |
| Risk-weighted assets | 43,763,000 | 46,024,000 | 45,785,000 | 48,014,000 |