Call reports 2005
UNITED BANK & TRUST — 2005
What UNITED BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 476,650,000 | 479,812,000 | 491,816,000 | 490,696,000 |
| Total loans | 352,351,000 | 357,468,000 | 358,914,000 | 365,106,000 |
| Allowance for loan losses | 4,253,000 | 4,318,000 | 4,374,000 | 4,317,000 |
| Securities available for sale | 80,835,000 | 85,096,000 | 83,123,000 | 84,313,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 389,007,000 | 395,964,000 | 403,234,000 | 403,522,000 |
| Interest-bearing deposits | 337,932,000 | 341,690,000 | 352,715,000 | 350,299,000 |
| Noninterest-bearing deposits | 51,075,000 | 54,274,000 | 50,519,000 | 53,223,000 |
| Equity capital | 43,017,000 | 42,477,000 | 42,276,000 | 43,397,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,224,000 | 12,767,000 | 19,633,000 | 26,769,000 |
| Interest expense | 1,887,000 | 3,975,000 | 6,327,000 | 8,868,000 |
| Net interest income | 4,337,000 | 8,792,000 | 13,306,000 | 17,901,000 |
| Noninterest income | 2,221,000 | 4,540,000 | 6,992,000 | 9,306,000 |
| Noninterest expense | 4,150,000 | 8,499,000 | 12,887,000 | 17,257,000 |
| Provision for loan losses | 189,000 | 378,000 | 567,000 | 793,000 |
| Pretax income | 2,217,000 | 4,454,000 | 6,843,000 | 9,156,000 |
| Income tax | 604,000 | 1,207,000 | 1,849,000 | 2,452,000 |
| Net income | 1,613,000 | 3,247,000 | 4,994,000 | 6,704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,886,000 | 40,995,000 | 40,918,000 | 42,227,000 |
| Total capital | 46,139,000 | 45,313,000 | 45,292,000 | 46,544,000 |
| Risk-weighted assets | 354,997,000 | 361,963,000 | 368,060,000 | 371,835,000 |
Machine access — free, no API key
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