Call reports 2004
UNITED BANK & TRUST COMPANY — 2004
What UNITED BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 78,796,000 | 81,336,000 | 75,147,000 | 79,710,000 |
| Total loans | 58,278,000 | 57,086,000 | 56,528,000 | 54,260,000 |
| Allowance for loan losses | 687,000 | 615,000 | 635,000 | 621,000 |
| Securities available for sale | 14,231,000 | 17,286,000 | 14,125,000 | 14,438,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,046,000 | 65,867,000 | 61,359,000 | 66,877,000 |
| Interest-bearing deposits | 58,602,000 | 57,987,000 | 53,925,000 | 59,282,000 |
| Noninterest-bearing deposits | 7,444,000 | 7,880,000 | 7,434,000 | 7,595,000 |
| Equity capital | 6,359,000 | 6,131,000 | 6,422,000 | 6,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,060,000 | 2,119,000 | 3,192,000 | 4,220,000 |
| Interest expense | 336,000 | 663,000 | 977,000 | 1,305,000 |
| Net interest income | 724,000 | 1,456,000 | 2,215,000 | 2,915,000 |
| Noninterest income | 150,000 | 293,000 | 457,000 | 634,000 |
| Noninterest expense | 714,000 | 1,415,000 | 2,078,000 | 2,772,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 142,000 | 298,000 | 540,000 | 705,000 |
| Income tax | 42,000 | 93,000 | 165,000 | 221,000 |
| Net income | 100,000 | 205,000 | 375,000 | 484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,335,000 | 6,378,000 | 6,486,000 | 6,532,000 |
| Total capital | 7,021,000 | 6,993,000 | 7,121,000 | 7,153,000 |
| Risk-weighted assets | 55,173,000 | 54,649,000 | 53,849,000 | 53,075,000 |