Call reports 2008
UNITED BANK & TRUST — 2008
What UNITED BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 497,954,000 | 483,393,000 | 495,057,000 | 489,959,000 |
| Total loans | 368,237,000 | 371,907,000 | 381,346,000 | 376,633,000 |
| Allowance for loan losses | 6,119,000 | 6,986,000 | 7,847,000 | 11,588,000 |
| Securities available for sale | 76,149,000 | 68,612,000 | 65,204,000 | 70,553,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 423,804,000 | 406,420,000 | 419,142,000 | 419,121,000 |
| Interest-bearing deposits | 374,110,000 | 355,263,000 | 370,668,000 | 370,919,000 |
| Noninterest-bearing deposits | 49,694,000 | 51,157,000 | 48,474,000 | 48,202,000 |
| Equity capital | 41,696,000 | 40,660,000 | 39,922,000 | 35,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,637,000 | 14,646,000 | 21,592,000 | 28,365,000 |
| Interest expense | 3,006,000 | 5,516,000 | 7,923,000 | 10,360,000 |
| Net interest income | 4,631,000 | 9,130,000 | 13,669,000 | 18,005,000 |
| Noninterest income | 2,537,000 | 5,222,000 | 7,891,000 | 9,725,000 |
| Noninterest expense | 4,853,000 | 9,495,000 | 14,392,000 | 18,938,000 |
| Provision for loan losses | 335,000 | 1,460,000 | 3,485,000 | 11,642,000 |
| Pretax income | 2,033,000 | 3,483,000 | 3,769,000 | -2,764,000 |
| Income tax | 509,000 | 815,000 | 724,000 | -1,685,000 |
| Net income | 1,524,000 | 2,668,000 | 3,045,000 | -1,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,604,000 | 39,248,000 | 38,625,000 | 33,497,000 |
| Total capital | 44,374,000 | 44,036,000 | 43,459,000 | 38,295,000 |
| Risk-weighted assets | 379,698,000 | 380,106,000 | 382,924,000 | 376,903,000 |
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