Call reports 2009
UNITED BANK & TRUST CO. — 2009
What UNITED BANK & TRUST CO. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 95,181,000 | 101,405,000 | 106,790,000 | 112,440,000 |
| Total loans | 57,981,000 | 55,679,000 | 53,134,000 | 52,816,000 |
| Allowance for loan losses | 968,000 | 792,000 | 842,000 | 1,032,000 |
| Securities available for sale | 30,326,000 | 37,619,000 | 42,333,000 | 46,385,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,483,000 | 76,884,000 | 85,840,000 | 94,074,000 |
| Interest-bearing deposits | 68,717,000 | 71,888,000 | 80,540,000 | 88,466,000 |
| Noninterest-bearing deposits | 4,766,000 | 4,996,000 | 5,301,000 | 5,608,000 |
| Equity capital | 8,929,000 | 9,020,000 | 9,602,000 | 9,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,229,000 | 2,445,000 | 3,628,000 | 4,788,000 |
| Interest expense | 477,000 | 903,000 | 1,296,000 | 1,661,000 |
| Net interest income | 752,000 | 1,542,000 | 2,332,000 | 3,127,000 |
| Noninterest income | 146,000 | 286,000 | 443,000 | 75,000 |
| Noninterest expense | 562,000 | 1,224,000 | 1,934,000 | 2,316,000 |
| Provision for loan losses | 0 | 321,000 | 396,000 | 597,000 |
| Pretax income | 313,000 | 253,000 | 549,000 | 394,000 |
| Income tax | 91,000 | 38,000 | 106,000 | 7,000 |
| Net income | 222,000 | 215,000 | 443,000 | 387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,831,000 | 8,823,000 | 9,052,000 | 8,995,000 |
| Total capital | 9,597,000 | 9,593,000 | 9,830,000 | 9,794,000 |
| Risk-weighted assets | 61,050,000 | 62,337,000 | 62,546,000 | 65,360,000 |