Call reports 2007
UNITED BANK & TRUST COMPANY — 2007
What UNITED BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 170,937,000 | 168,916,000 | 176,974,000 | 223,635,000 |
| Total loans | 129,034,000 | 133,585,000 | 130,156,000 | 133,607,000 |
| Allowance for loan losses | 1,232,000 | 1,301,000 | 1,285,000 | 1,495,000 |
| Securities available for sale | 19,370,000 | 18,773,000 | 22,970,000 | 63,363,000 |
| Securities held to maturity | 735,000 | 735,000 | 735,000 | 370,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,616,000 | 144,726,000 | 150,934,000 | 167,254,000 |
| Interest-bearing deposits | 130,018,000 | 125,810,000 | 130,986,000 | 142,448,000 |
| Noninterest-bearing deposits | 19,597,000 | 18,916,000 | 19,948,000 | 24,806,000 |
| Equity capital | 12,059,000 | 12,021,000 | 12,671,000 | 12,276,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,811,000 | 5,625,000 | 8,525,000 | 11,821,000 |
| Interest expense | 1,234,000 | 2,489,000 | 3,837,000 | 5,454,000 |
| Net interest income | 1,577,000 | 3,136,000 | 4,688,000 | 6,367,000 |
| Noninterest income | 313,000 | 661,000 | 1,024,000 | 1,385,000 |
| Noninterest expense | 1,123,000 | 2,270,000 | 3,426,000 | 4,631,000 |
| Provision for loan losses | 72,000 | 206,000 | 258,000 | 550,000 |
| Pretax income | 695,000 | 1,321,000 | 2,028,000 | 2,571,000 |
| Income tax | 205,000 | 395,000 | 627,000 | 784,000 |
| Net income | 490,000 | 926,000 | 1,401,000 | 1,787,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,458,000 | 12,527,000 | 13,003,000 | 12,703,000 |
| Total capital | 13,690,000 | 13,828,000 | 14,288,000 | 14,198,000 |
| Risk-weighted assets | 126,880,000 | 129,081,000 | 129,530,000 | 137,501,000 |