Call reports 2012
UNITED BANK & TRUST COMPANY — 2012
What UNITED BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 579,933,000 | 564,849,000 | 566,005,000 | 539,792,000 |
| Total loans | 321,712,000 | 317,065,000 | 302,775,000 | 296,108,000 |
| Allowance for loan losses | 13,228,000 | 13,045,000 | 11,893,000 | 11,579,000 |
| Securities available for sale | 195,890,000 | 185,250,000 | 183,017,000 | 162,261,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 421,856,000 | 410,281,000 | 407,434,000 | 405,024,000 |
| Interest-bearing deposits | 344,977,000 | 335,793,000 | 329,823,000 | 327,034,000 |
| Noninterest-bearing deposits | 76,879,000 | 74,488,000 | 77,611,000 | 77,990,000 |
| Equity capital | 61,048,000 | 60,957,000 | 61,678,000 | 60,385,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,466,000 | 10,800,000 | 15,913,000 | 20,846,000 |
| Interest expense | 1,588,000 | 3,064,000 | 4,502,000 | 5,743,000 |
| Net interest income | 3,878,000 | 7,736,000 | 11,411,000 | 15,103,000 |
| Noninterest income | 1,619,000 | 2,402,000 | 2,837,000 | 3,401,000 |
| Noninterest expense | 4,402,000 | 8,834,000 | 13,327,000 | 17,650,000 |
| Provision for loan losses | 249,000 | 942,000 | 204,000 | 763,000 |
| Pretax income | 846,000 | 683,000 | 1,099,000 | 479,000 |
| Income tax | -169,000 | -250,000 | -7,000 | -246,000 |
| Net income | 1,015,000 | 933,000 | 1,106,000 | 725,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,490,000 | 52,041,000 | 52,541,000 | 51,695,000 |
| Total capital | 57,016,000 | 56,551,000 | 56,922,000 | 55,980,000 |
| Risk-weighted assets | 353,405,000 | 352,303,000 | 342,986,000 | 335,493,000 |