Call reports 2007
UNITED BANK & TRUST CO. — 2007
What UNITED BANK & TRUST CO. 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 | 107,086,000 | 106,113,000 | 109,807,000 | 106,823,000 |
| Total loans | 64,903,000 | 67,075,000 | 67,383,000 | 67,701,000 |
| Allowance for loan losses | 941,000 | 941,000 | 931,000 | 918,000 |
| Securities available for sale | 33,075,000 | 34,267,000 | 34,595,000 | 34,485,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,494,000 | 86,937,000 | 90,850,000 | 87,004,000 |
| Interest-bearing deposits | 86,859,000 | 83,385,000 | 87,683,000 | 82,795,000 |
| Noninterest-bearing deposits | 3,635,000 | 3,552,000 | 3,167,000 | 4,209,000 |
| Equity capital | 7,627,000 | 8,167,000 | 8,481,000 | 8,587,000 |
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 | 1,437,000 | 2,935,000 | 4,469,000 | 6,004,000 |
| Interest expense | 1,040,000 | 2,114,000 | 3,198,000 | 4,268,000 |
| Net interest income | 397,000 | 821,000 | 1,271,000 | 1,736,000 |
| Noninterest income | 100,000 | 214,000 | 390,000 | 512,000 |
| Noninterest expense | 559,000 | 1,103,000 | 1,667,000 | 2,238,000 |
| Provision for loan losses | 0 | 0 | -10,000 | -10,000 |
| Pretax income | -62,000 | -68,000 | 4,000 | 20,000 |
| Income tax | -42,000 | -66,000 | -69,000 | -84,000 |
| Net income | -20,000 | -2,000 | 73,000 | 104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,820,000 | 8,591,000 | 8,663,000 | 8,606,000 |
| Total capital | 8,710,000 | 9,510,000 | 9,576,000 | 9,474,000 |
| Risk-weighted assets | 73,120,000 | 75,314,000 | 72,995,000 | 69,332,000 |