Call reports 2007
UNITED BANK & TRUST — 2007
What UNITED BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 492,437,000 | 496,385,000 | 493,462,000 | 496,552,000 |
| Total loans | 367,793,000 | 376,930,000 | 380,805,000 | 370,689,000 |
| Allowance for loan losses | 6,031,000 | 4,261,000 | 4,201,000 | 6,645,000 |
| Securities available for sale | 77,154,000 | 75,270,000 | 73,832,000 | 71,803,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 414,314,000 | 418,547,000 | 408,584,000 | 419,757,000 |
| Interest-bearing deposits | 363,772,000 | 359,899,000 | 362,884,000 | 373,334,000 |
| Noninterest-bearing deposits | 50,542,000 | 58,648,000 | 45,700,000 | 46,423,000 |
| Equity capital | 45,372,000 | 45,181,000 | 44,347,000 | 41,482,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,737,000 | 15,671,000 | 23,786,000 | 31,836,000 |
| Interest expense | 3,145,000 | 6,423,000 | 9,807,000 | 13,159,000 |
| Net interest income | 4,592,000 | 9,248,000 | 13,979,000 | 18,677,000 |
| Noninterest income | 2,472,000 | 5,005,000 | 7,546,000 | 10,138,000 |
| Noninterest expense | 4,233,000 | 8,672,000 | 13,207,000 | 17,492,000 |
| Provision for loan losses | 1,110,000 | 1,645,000 | 2,000,000 | 5,654,000 |
| Pretax income | 1,722,000 | 3,937,000 | 6,319,000 | 5,678,000 |
| Income tax | 399,000 | 961,000 | 1,587,000 | 1,191,000 |
| Net income | 1,323,000 | 2,976,000 | 4,732,000 | 4,487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,846,000 | 43,999,000 | 42,755,000 | 39,810,000 |
| Total capital | 48,537,000 | 48,260,000 | 46,956,000 | 44,567,000 |
| Risk-weighted assets | 373,216,000 | 378,557,000 | 383,669,000 | 377,891,000 |
Machine access — free, no API key
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