Call reports 2005
UNITED BANK & TRUST COMPANY — 2005
What UNITED BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 76,210,000 | 77,577,000 | 76,935,000 | 74,969,000 |
| Total loans | 56,230,000 | 57,003,000 | 57,249,000 | 55,287,000 |
| Allowance for loan losses | 649,000 | 631,000 | 661,000 | 676,000 |
| Securities available for sale | 14,803,000 | 14,511,000 | 13,850,000 | 13,323,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,515,000 | 60,887,000 | 62,691,000 | 58,000,000 |
| Interest-bearing deposits | 54,913,000 | 53,352,000 | 53,301,000 | 49,293,000 |
| Noninterest-bearing deposits | 8,602,000 | 7,536,000 | 9,390,000 | 8,707,000 |
| Equity capital | 6,305,000 | 6,489,000 | 6,475,000 | 6,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,057,000 | 2,151,000 | 3,270,000 | 4,508,000 |
| Interest expense | 345,000 | 715,000 | 1,129,000 | 1,565,000 |
| Net interest income | 712,000 | 1,436,000 | 2,141,000 | 2,943,000 |
| Noninterest income | 168,000 | 336,000 | 486,000 | 631,000 |
| Noninterest expense | 705,000 | 1,364,000 | 2,066,000 | 2,722,000 |
| Provision for loan losses | 27,000 | 54,000 | 81,000 | 108,000 |
| Pretax income | 148,000 | 354,000 | 480,000 | 744,000 |
| Income tax | 47,000 | 118,000 | 158,000 | 246,000 |
| Net income | 101,000 | 236,000 | 322,000 | 498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,576,000 | 6,656,000 | 6,686,000 | 6,806,000 |
| Total capital | 7,225,000 | 7,287,000 | 7,347,000 | 7,476,000 |
| Risk-weighted assets | 53,219,000 | 53,946,000 | 53,662,000 | 53,632,000 |