Call reports 2012
UNITED BANK & TRUST CO. — 2012
What UNITED BANK & TRUST CO. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 112,938,000 | 110,607,000 | 109,320,000 | 107,771,000 |
| Total loans | 51,543,000 | 52,036,000 | 51,484,000 | 51,136,000 |
| Allowance for loan losses | 976,000 | 981,000 | 976,000 | 875,000 |
| Securities available for sale | 45,539,000 | 48,013,000 | 47,269,000 | 45,359,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,327,000 | 89,169,000 | 87,716,000 | 89,894,000 |
| Interest-bearing deposits | 83,539,000 | 79,502,000 | 78,799,000 | 80,890,000 |
| Noninterest-bearing deposits | 8,789,000 | 9,667,000 | 8,917,000 | 9,004,000 |
| Equity capital | 12,636,000 | 12,907,000 | 13,324,000 | 13,346,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,002,000 | 1,998,000 | 2,971,000 | 3,921,000 |
| Interest expense | 183,000 | 365,000 | 531,000 | 687,000 |
| Net interest income | 819,000 | 1,633,000 | 2,440,000 | 3,234,000 |
| Noninterest income | 191,000 | 411,000 | 724,000 | 913,000 |
| Noninterest expense | 587,000 | 1,327,000 | 1,909,000 | 2,595,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 491,000 | 785,000 | 1,357,000 | 1,654,000 |
| Income tax | 127,000 | 176,000 | 331,000 | 385,000 |
| Net income | 364,000 | 609,000 | 1,026,000 | 1,269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,693,000 | 11,838,000 | 12,156,000 | 12,299,000 |
| Total capital | 12,504,000 | 12,654,000 | 12,963,000 | 13,101,000 |
| Risk-weighted assets | 64,667,000 | 65,086,000 | 64,364,000 | 64,031,000 |