Call reports 2010
UNITED BANK & TRUST CO. — 2010
What UNITED BANK & TRUST CO. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 111,812,000 | 110,635,000 | 105,998,000 | 106,820,000 |
| Total loans | 50,867,000 | 51,920,000 | 49,785,000 | 52,291,000 |
| Allowance for loan losses | 900,000 | 967,000 | 1,050,000 | 999,000 |
| Securities available for sale | 50,591,000 | 50,597,000 | 48,965,000 | 47,493,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,890,000 | 80,068,000 | 77,644,000 | 79,169,000 |
| Interest-bearing deposits | 84,007,000 | 74,832,000 | 72,480,000 | 72,396,000 |
| Noninterest-bearing deposits | 4,883,000 | 5,236,000 | 5,164,000 | 6,774,000 |
| Equity capital | 9,687,000 | 10,151,000 | 10,890,000 | 10,653,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,194,000 | 2,353,000 | 3,487,000 | 4,565,000 |
| Interest expense | 339,000 | 670,000 | 972,000 | 1,249,000 |
| Net interest income | 855,000 | 1,683,000 | 2,515,000 | 3,316,000 |
| Noninterest income | 106,000 | 246,000 | 420,000 | 621,000 |
| Noninterest expense | 581,000 | 1,153,000 | 1,689,000 | 2,257,000 |
| Provision for loan losses | 120,000 | 185,000 | 270,000 | 350,000 |
| Pretax income | 297,000 | 677,000 | 1,211,000 | 1,565,000 |
| Income tax | 56,000 | 155,000 | 283,000 | 359,000 |
| Net income | 241,000 | 522,000 | 928,000 | 1,206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,236,000 | 9,518,000 | 9,923,000 | 10,201,000 |
| Total capital | 10,041,000 | 10,312,000 | 10,680,000 | 10,990,000 |
| Risk-weighted assets | 64,469,000 | 63,301,000 | 60,225,000 | 62,930,000 |