Call reports 2010
UNITED BANK & TRUST COMPANY — 2010
What UNITED BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 722,880,000 | 680,960,000 | 643,265,000 | 614,260,000 |
| Total loans | 426,835,000 | 415,495,000 | 399,981,000 | 388,664,000 |
| Allowance for loan losses | 8,683,000 | 10,468,000 | 12,127,000 | 12,269,000 |
| Securities available for sale | 196,529,000 | 187,284,000 | 176,205,000 | 144,645,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 532,319,000 | 488,202,000 | 455,308,000 | 448,217,000 |
| Interest-bearing deposits | 453,396,000 | 421,828,000 | 389,959,000 | 383,265,000 |
| Noninterest-bearing deposits | 78,923,000 | 66,374,000 | 65,349,000 | 64,952,000 |
| Equity capital | 60,249,000 | 62,077,000 | 59,185,000 | 58,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 7,733,000 | 15,741,000 | 22,917,000 | 29,752,000 |
| Interest expense | 3,502,000 | 6,689,000 | 9,604,000 | 11,989,000 |
| Net interest income | 4,231,000 | 9,052,000 | 13,313,000 | 17,763,000 |
| Noninterest income | 370,000 | 1,110,000 | 1,185,000 | 2,492,000 |
| Noninterest expense | 4,612,000 | 9,285,000 | 13,939,000 | 18,432,000 |
| Provision for loan losses | 1,030,000 | 4,416,000 | 7,917,000 | 9,447,000 |
| Pretax income | -542,000 | -1,694,000 | -4,481,000 | -4,744,000 |
| Income tax | -245,000 | -811,000 | -1,755,000 | -1,965,000 |
| Net income | -297,000 | -883,000 | -2,726,000 | -2,779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,329,000 | 56,745,000 | 55,159,000 | 51,347,000 |
| Total capital | 60,889,000 | 62,325,000 | 60,447,000 | 56,409,000 |
| Risk-weighted assets | 441,666,000 | 441,537,000 | 416,177,000 | 397,714,000 |