Call reports 2011
UNITED BANK & TRUST COMPANY — 2011
What UNITED BANK & TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 608,286,000 | 590,112,000 | 585,790,000 | 582,171,000 |
| Total loans | 369,082,000 | 360,668,000 | 346,331,000 | 333,966,000 |
| Allowance for loan losses | 12,397,000 | 12,968,000 | 14,089,000 | 13,595,000 |
| Securities available for sale | 161,699,000 | 173,594,000 | 170,848,000 | 179,231,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 445,000,000 | 430,244,000 | 424,172,000 | 422,646,000 |
| Interest-bearing deposits | 375,399,000 | 360,932,000 | 351,700,000 | 346,881,000 |
| Noninterest-bearing deposits | 69,601,000 | 69,312,000 | 72,472,000 | 75,765,000 |
| Equity capital | 57,857,000 | 57,654,000 | 59,131,000 | 57,653,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 6,468,000 | 12,725,000 | 18,749,000 | 24,333,000 |
| Interest expense | 2,055,000 | 3,996,000 | 5,873,000 | 7,654,000 |
| Net interest income | 4,413,000 | 8,729,000 | 12,876,000 | 16,679,000 |
| Noninterest income | 812,000 | 735,000 | -609,000 | 420,000 |
| Noninterest expense | 4,414,000 | 9,034,000 | 13,611,000 | 18,227,000 |
| Provision for loan losses | 1,475,000 | 4,942,000 | 7,271,000 | 9,644,000 |
| Pretax income | -450,000 | -4,292,000 | -8,275,000 | -10,362,000 |
| Income tax | -112,000 | -1,692,000 | -2,973,000 | -3,720,000 |
| Net income | -338,000 | -2,600,000 | -5,302,000 | -6,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,553,000 | 51,013,000 | 51,813,000 | 48,744,000 |
| Total capital | 56,499,000 | 55,875,000 | 56,528,000 | 53,368,000 |
| Risk-weighted assets | 388,203,000 | 380,827,000 | 367,857,000 | 360,929,000 |