Call reports 2007
UNITED BANK & TRUST COMPANY — 2007
What UNITED BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 117,978,000 | 118,175,000 | 118,432,000 | 116,782,000 |
| Total loans | 89,077,000 | 93,687,000 | 95,958,000 | 95,603,000 |
| Allowance for loan losses | 1,058,000 | 1,146,000 | 1,127,000 | 1,613,000 |
| Securities available for sale | 14,540,000 | 16,552,000 | 14,399,000 | 14,347,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,649,000 | 87,600,000 | 92,171,000 | 90,097,000 |
| Interest-bearing deposits | 85,728,000 | 77,978,000 | 82,875,000 | 81,905,000 |
| Noninterest-bearing deposits | 8,921,000 | 9,622,000 | 9,296,000 | 8,192,000 |
| Equity capital | 8,505,000 | 8,556,000 | 8,833,000 | 8,884,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,126,000 | 4,320,000 | 6,536,000 | 8,640,000 |
| Interest expense | 1,003,000 | 2,115,000 | 3,270,000 | 4,362,000 |
| Net interest income | 1,123,000 | 2,205,000 | 3,266,000 | 4,278,000 |
| Noninterest income | 126,000 | 258,000 | 307,000 | 397,000 |
| Noninterest expense | 840,000 | 1,694,000 | 2,518,000 | 3,299,000 |
| Provision for loan losses | 90,000 | 179,000 | 209,000 | 749,000 |
| Pretax income | 319,000 | 590,000 | 846,000 | 627,000 |
| Income tax | 114,000 | 205,000 | 291,000 | 149,000 |
| Net income | 205,000 | 385,000 | 555,000 | 478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,657,000 | 8,837,000 | 9,007,000 | 8,930,000 |
| Total capital | 9,715,000 | 9,983,000 | 10,134,000 | 10,159,000 |
| Risk-weighted assets | 90,503,000 | 96,813,000 | 97,167,000 | 97,897,000 |