Call reports 2006
UNITED BANK & TRUST CO. — 2006
What UNITED BANK & TRUST CO. 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 | 100,747,000 | 98,423,000 | 98,111,000 | 101,275,000 |
| Total loans | 57,996,000 | 60,170,000 | 60,171,000 | 63,238,000 |
| Allowance for loan losses | 854,000 | 867,000 | 906,000 | 941,000 |
| Securities available for sale | 33,354,000 | 32,563,000 | 33,835,000 | 34,047,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,085,000 | 83,955,000 | 81,633,000 | 84,679,000 |
| Interest-bearing deposits | 83,490,000 | 80,012,000 | 79,023,000 | 81,029,000 |
| Noninterest-bearing deposits | 2,595,000 | 3,943,000 | 2,610,000 | 3,650,000 |
| Equity capital | 7,160,000 | 6,914,000 | 7,515,000 | 7,581,000 |
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 | 1,194,000 | 2,471,000 | 3,801,000 | 5,167,000 |
| Interest expense | 807,000 | 1,700,000 | 2,671,000 | 3,660,000 |
| Net interest income | 387,000 | 771,000 | 1,130,000 | 1,507,000 |
| Noninterest income | 89,000 | 188,000 | 276,000 | 361,000 |
| Noninterest expense | 461,000 | 983,000 | 1,473,000 | 2,019,000 |
| Provision for loan losses | 15,000 | 30,000 | 68,000 | 103,000 |
| Pretax income | 0 | -122,000 | -203,000 | -322,000 |
| Income tax | -30,000 | -100,000 | -146,000 | -263,000 |
| Net income | 30,000 | -22,000 | -57,000 | -59,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,673,000 | 7,686,000 | 7,776,000 | 7,774,000 |
| Total capital | 8,527,000 | 8,553,000 | 8,619,000 | 8,661,000 |
| Risk-weighted assets | 68,571,000 | 69,385,000 | 67,343,000 | 70,109,000 |