Call reports 2004
UNITED BANK & TRUST COMPANY — 2004
What UNITED BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 158,823,000 | 154,383,000 | 160,514,000 | 175,768,000 |
| Total loans | 104,592,000 | 110,286,000 | 112,077,000 | 115,478,000 |
| Allowance for loan losses | 1,515,000 | 1,565,000 | 1,586,000 | 1,640,000 |
| Securities available for sale | 33,253,000 | 30,393,000 | 30,190,000 | 26,054,000 |
| Securities held to maturity | 2,688,000 | 2,686,000 | 2,586,000 | 2,545,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,218,000 | 134,135,000 | 139,050,000 | 154,291,000 |
| Interest-bearing deposits | 118,897,000 | 111,580,000 | 116,917,000 | 129,535,000 |
| Noninterest-bearing deposits | 18,321,000 | 22,555,000 | 22,133,000 | 24,756,000 |
| Equity capital | 11,784,000 | 11,368,000 | 12,371,000 | 12,353,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,937,000 | 3,945,000 | 5,979,000 | 8,098,000 |
| Interest expense | 555,000 | 1,106,000 | 1,682,000 | 2,389,000 |
| Net interest income | 1,382,000 | 2,839,000 | 4,297,000 | 5,709,000 |
| Noninterest income | 343,000 | 657,000 | 990,000 | 1,304,000 |
| Noninterest expense | 958,000 | 1,901,000 | 2,893,000 | 3,883,000 |
| Provision for loan losses | 0 | 119,000 | 186,000 | 243,000 |
| Pretax income | 767,000 | 1,473,000 | 2,205,000 | 2,884,000 |
| Income tax | 217,000 | 424,000 | 651,000 | 857,000 |
| Net income | 550,000 | 1,049,000 | 1,554,000 | 2,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,590,000 | 11,707,000 | 12,219,000 | 12,330,000 |
| Total capital | 12,895,000 | 13,058,000 | 13,601,000 | 13,779,000 |
| Risk-weighted assets | 104,218,000 | 107,861,000 | 110,323,000 | 115,750,000 |