Call reports 2009
UNITED BANK & TRUST — 2009
What UNITED BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 527,587,000 | 507,945,000 | 524,543,000 | 512,610,000 |
| Total loans | 369,463,000 | 369,392,000 | 357,048,000 | 332,812,000 |
| Allowance for loan losses | 12,232,000 | 12,572,000 | 16,376,000 | 12,415,000 |
| Securities available for sale | 78,102,000 | 77,919,000 | 82,115,000 | 74,306,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 444,602,000 | 437,270,000 | 455,786,000 | 445,033,000 |
| Interest-bearing deposits | 381,850,000 | 373,962,000 | 397,762,000 | 392,063,000 |
| Noninterest-bearing deposits | 62,752,000 | 63,308,000 | 58,024,000 | 52,970,000 |
| Equity capital | 39,789,000 | 40,981,000 | 41,493,000 | 40,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,491,000 | 12,846,000 | 18,861,000 | 24,853,000 |
| Interest expense | 2,000,000 | 3,767,000 | 5,411,000 | 6,940,000 |
| Net interest income | 4,491,000 | 9,079,000 | 13,450,000 | 17,913,000 |
| Noninterest income | 2,563,000 | 5,476,000 | 7,212,000 | 9,676,000 |
| Noninterest expense | 6,514,000 | 11,605,000 | 15,759,000 | 20,605,000 |
| Provision for loan losses | 4,600,000 | 8,500,000 | 14,700,000 | 18,500,000 |
| Pretax income | -4,060,000 | -5,550,000 | -9,797,000 | -11,516,000 |
| Income tax | -1,414,000 | -2,103,000 | -3,730,000 | -4,496,000 |
| Net income | -2,646,000 | -3,447,000 | -6,067,000 | -7,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,080,000 | 40,279,000 | 40,059,000 | 37,590,000 |
| Total capital | 43,929,000 | 44,998,000 | 44,661,000 | 41,872,000 |
| Risk-weighted assets | 379,804,000 | 368,925,000 | 356,409,000 | 334,404,000 |
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