Call reports 2005
UNITED BANK & TRUST COMPANY — 2005
What UNITED BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 173,028,000 | 166,941,000 | 178,693,000 | 189,819,000 |
| Total loans | 119,508,000 | 122,518,000 | 122,928,000 | 122,383,000 |
| Allowance for loan losses | 1,640,000 | 1,717,000 | 1,588,000 | 1,460,000 |
| Securities available for sale | 29,088,000 | 25,321,000 | 24,200,000 | 23,568,000 |
| Securities held to maturity | 2,455,000 | 2,454,000 | 2,454,000 | 2,193,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,973,000 | 144,630,000 | 153,234,000 | 165,921,000 |
| Interest-bearing deposits | 130,310,000 | 124,627,000 | 127,395,000 | 136,714,000 |
| Noninterest-bearing deposits | 19,663,000 | 20,003,000 | 25,839,000 | 29,207,000 |
| Equity capital | 12,577,000 | 13,165,000 | 13,632,000 | 13,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,184,000 | 4,448,000 | 6,789,000 | 9,477,000 |
| Interest expense | 791,000 | 1,643,000 | 2,518,000 | 3,546,000 |
| Net interest income | 1,393,000 | 2,805,000 | 4,271,000 | 5,931,000 |
| Noninterest income | 287,000 | 594,000 | 897,000 | 1,175,000 |
| Noninterest expense | 951,000 | 1,961,000 | 2,973,000 | 3,974,000 |
| Provision for loan losses | 27,000 | 235,000 | 150,000 | 88,000 |
| Pretax income | 702,000 | 1,199,000 | 2,042,000 | 3,041,000 |
| Income tax | 199,000 | 335,000 | 575,000 | 858,000 |
| Net income | 503,000 | 864,000 | 1,467,000 | 2,183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,833,000 | 13,195,000 | 13,798,000 | 14,068,000 |
| Total capital | 14,327,000 | 14,699,000 | 15,351,000 | 15,528,000 |
| Risk-weighted assets | 119,399,000 | 120,139,000 | 124,213,000 | 126,386,000 |