Call reports 2006
UNITED BANK & TRUST COMPANY — 2006
What UNITED BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 185,403,000 | 174,059,000 | 177,085,000 | 176,699,000 |
| Total loans | 118,717,000 | 121,068,000 | 122,932,000 | 124,780,000 |
| Allowance for loan losses | 1,351,000 | 1,190,000 | 1,170,000 | 1,248,000 |
| Securities available for sale | 22,930,000 | 20,322,000 | 20,278,000 | 16,842,000 |
| Securities held to maturity | 1,612,000 | 1,612,000 | 1,457,000 | 965,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,782,000 | 150,923,000 | 153,237,000 | 153,453,000 |
| Interest-bearing deposits | 139,123,000 | 131,108,000 | 128,709,000 | 127,209,000 |
| Noninterest-bearing deposits | 20,659,000 | 19,815,000 | 24,528,000 | 26,244,000 |
| Equity capital | 14,252,000 | 13,674,000 | 14,381,000 | 13,638,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,563,000 | 5,186,000 | 7,854,000 | 10,662,000 |
| Interest expense | 1,088,000 | 2,211,000 | 3,372,000 | 4,590,000 |
| Net interest income | 1,475,000 | 2,975,000 | 4,482,000 | 6,072,000 |
| Noninterest income | 316,000 | 636,000 | 897,000 | 1,194,000 |
| Noninterest expense | 1,089,000 | 2,192,000 | 3,296,000 | 4,479,000 |
| Provision for loan losses | -51,000 | -179,000 | -157,000 | -33,000 |
| Pretax income | 753,000 | 1,598,000 | 2,240,000 | 2,820,000 |
| Income tax | 226,000 | 477,000 | 665,000 | 856,000 |
| Net income | 527,000 | 1,121,000 | 1,575,000 | 1,964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,596,000 | 14,122,000 | 14,578,000 | 14,084,000 |
| Total capital | 15,947,000 | 15,312,000 | 15,748,000 | 15,332,000 |
| Risk-weighted assets | 123,968,000 | 122,483,000 | 123,884,000 | 125,859,000 |