Call reports 2004
UNITED BANK & TRUST CO. — 2004
What UNITED BANK & TRUST CO. 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 | 82,637,000 | 81,573,000 | 85,331,000 | 90,121,000 |
| Total loans | 40,528,000 | 42,742,000 | 43,418,000 | 46,229,000 |
| Allowance for loan losses | 510,000 | 529,000 | 561,000 | 635,000 |
| Securities available for sale | 27,727,000 | 33,646,000 | 33,667,000 | 33,872,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,088,000 | 67,423,000 | 74,789,000 | 78,517,000 |
| Interest-bearing deposits | 71,782,000 | 64,407,000 | 72,460,000 | 75,238,000 |
| Noninterest-bearing deposits | 2,306,000 | 3,016,000 | 2,329,000 | 3,279,000 |
| Equity capital | 6,448,000 | 6,130,000 | 6,717,000 | 6,902,000 |
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 | 773,000 | 1,606,000 | 2,479,000 | 3,411,000 |
| Interest expense | 420,000 | 866,000 | 1,323,000 | 1,812,000 |
| Net interest income | 353,000 | 740,000 | 1,156,000 | 1,599,000 |
| Noninterest income | 37,000 | 80,000 | 126,000 | 170,000 |
| Noninterest expense | 397,000 | 802,000 | 1,176,000 | 1,617,000 |
| Provision for loan losses | 30,000 | 60,000 | 100,000 | 176,000 |
| Pretax income | -37,000 | -42,000 | 6,000 | -24,000 |
| Income tax | -41,000 | -74,000 | -91,000 | -129,000 |
| Net income | 4,000 | 32,000 | 97,000 | 105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,264,000 | 6,593,000 | 6,758,000 | 7,065,000 |
| Total capital | 6,774,000 | 7,122,000 | 7,319,000 | 7,700,000 |
| Risk-weighted assets | 50,147,000 | 53,471,000 | 54,837,000 | 58,308,000 |