Call reports 2009
UNITED BANK & TRUST COMPANY — 2009
What UNITED BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 790,603,000 | 771,004,000 | 760,605,000 | 735,997,000 |
| Total loans | 484,157,000 | 482,691,000 | 459,929,000 | 439,019,000 |
| Allowance for loan losses | 6,707,000 | 9,353,000 | 9,269,000 | 8,367,000 |
| Securities available for sale | 191,241,000 | 192,097,000 | 202,493,000 | 178,854,000 |
| Securities held to maturity | 370,000 | 370,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 559,259,000 | 561,339,000 | 546,913,000 | 536,500,000 |
| Interest-bearing deposits | 492,994,000 | 494,135,000 | 480,924,000 | 467,113,000 |
| Noninterest-bearing deposits | 66,265,000 | 67,204,000 | 65,989,000 | 69,387,000 |
| Equity capital | 70,430,000 | 67,732,000 | 69,237,000 | 60,639,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 9,618,000 | 18,732,000 | 27,663,000 | 35,664,000 |
| Interest expense | 4,509,000 | 8,977,000 | 13,372,000 | 17,354,000 |
| Net interest income | 5,109,000 | 9,755,000 | 14,291,000 | 18,310,000 |
| Noninterest income | 1,093,000 | 2,256,000 | 3,443,000 | 4,431,000 |
| Noninterest expense | 4,906,000 | 10,063,000 | 14,729,000 | 38,373,000 |
| Provision for loan losses | 818,000 | 4,546,000 | 7,307,000 | 9,376,000 |
| Pretax income | 763,000 | -1,909,000 | -3,613,000 | -23,546,000 |
| Income tax | 213,000 | -115,000 | -1,395,000 | -3,349,000 |
| Net income | 550,000 | -1,794,000 | -2,218,000 | -20,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,656,000 | 46,508,000 | 46,282,000 | 56,376,000 |
| Total capital | 54,879,000 | 52,711,000 | 52,121,000 | 62,051,000 |
| Risk-weighted assets | 497,355,000 | 493,059,000 | 463,715,000 | 451,282,000 |