Call reports 2004
UNITED BANK & TRUST — 2004
What UNITED BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 467,594,000 | 474,138,000 | 478,933,000 | 476,475,000 |
| Total loans | 332,355,000 | 337,789,000 | 343,073,000 | 348,238,000 |
| Allowance for loan losses | 4,182,000 | 4,270,000 | 4,236,000 | 4,189,000 |
| Securities available for sale | 89,899,000 | 88,998,000 | 86,782,000 | 84,576,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 385,012,000 | 382,623,000 | 394,553,000 | 382,260,000 |
| Interest-bearing deposits | 327,320,000 | 326,770,000 | 340,585,000 | 327,292,000 |
| Noninterest-bearing deposits | 57,692,000 | 55,853,000 | 53,968,000 | 54,968,000 |
| Equity capital | 43,234,000 | 43,351,000 | 44,815,000 | 43,740,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,721,000 | 11,371,000 | 17,335,000 | 23,439,000 |
| Interest expense | 1,478,000 | 2,961,000 | 4,586,000 | 6,372,000 |
| Net interest income | 4,243,000 | 8,410,000 | 12,749,000 | 17,067,000 |
| Noninterest income | 2,487,000 | 5,222,000 | 7,947,000 | 10,580,000 |
| Noninterest expense | 4,374,000 | 8,853,000 | 13,216,000 | 17,629,000 |
| Provision for loan losses | 171,000 | 342,000 | 513,000 | 684,000 |
| Pretax income | 2,187,000 | 4,404,000 | 6,938,000 | 9,305,000 |
| Income tax | 577,000 | 1,221,000 | 1,939,000 | 2,592,000 |
| Net income | 1,610,000 | 3,183,000 | 4,999,000 | 6,713,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,037,000 | 41,903,000 | 43,159,000 | 42,298,000 |
| Total capital | 45,198,000 | 46,173,000 | 47,395,000 | 46,487,000 |
| Risk-weighted assets | 332,866,000 | 341,883,000 | 345,937,000 | 350,979,000 |
Machine access — free, no API key
Every figure shown here about UNITED BANK & TRUST — 2004 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.