Call reports 2006
UNITED BANK & TRUST COMPANY — 2006
What UNITED BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 83,541,000 | 86,306,000 | 94,565,000 | 104,111,000 |
| Total loans | 63,777,000 | 66,166,000 | 75,797,000 | 85,427,000 |
| Allowance for loan losses | 735,000 | 794,000 | 879,000 | 960,000 |
| Securities available for sale | 12,992,000 | 12,563,000 | 12,452,000 | 12,335,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,521,000 | 66,907,000 | 83,931,000 | 86,618,000 |
| Interest-bearing deposits | 56,251,000 | 58,092,000 | 75,644,000 | 78,909,000 |
| Noninterest-bearing deposits | 9,270,000 | 8,815,000 | 8,287,000 | 7,709,000 |
| Equity capital | 6,513,000 | 6,405,000 | 6,717,000 | 7,284,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,330,000 | 2,823,000 | 4,584,000 | 6,543,000 |
| Interest expense | 540,000 | 1,171,000 | 1,975,000 | 2,881,000 |
| Net interest income | 790,000 | 1,652,000 | 2,609,000 | 3,662,000 |
| Noninterest income | 153,000 | 304,000 | 445,000 | 582,000 |
| Noninterest expense | 771,000 | 1,498,000 | 2,233,000 | 2,976,000 |
| Provision for loan losses | 55,000 | 111,000 | 194,000 | 279,000 |
| Pretax income | 117,000 | 347,000 | 627,000 | 989,000 |
| Income tax | 38,000 | 119,000 | 220,000 | 338,000 |
| Net income | 79,000 | 228,000 | 407,000 | 651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,823,000 | 6,786,000 | 6,965,000 | 7,459,000 |
| Total capital | 7,558,000 | 7,580,000 | 7,844,000 | 8,419,000 |
| Risk-weighted assets | 62,907,000 | 65,729,000 | 74,018,000 | 83,465,000 |