Call reports 2010
UNITED BANK & TRUST — 2010
What UNITED BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 512,214,000 | 850,338,000 | 852,949,000 | 861,244,000 |
| Total loans | 326,213,000 | 640,696,000 | 619,320,000 | 602,274,000 |
| Allowance for loan losses | 13,254,000 | 23,362,000 | 23,491,000 | 25,163,000 |
| Securities available for sale | 78,825,000 | 109,438,000 | 109,461,000 | 124,516,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 444,911,000 | 733,001,000 | 742,368,000 | 742,797,000 |
| Interest-bearing deposits | 389,227,000 | 623,932,000 | 640,121,000 | 620,791,000 |
| Noninterest-bearing deposits | 55,684,000 | 109,069,000 | 102,247,000 | 122,006,000 |
| Equity capital | 42,431,000 | 73,641,000 | 74,927,000 | 83,486,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,427,000 | 20,274,000 | 30,303,000 | 39,914,000 |
| Interest expense | 1,372,000 | 4,839,000 | 6,867,000 | 8,699,000 |
| Net interest income | 4,055,000 | 15,435,000 | 23,436,000 | 31,215,000 |
| Noninterest income | 2,208,000 | 6,272,000 | 10,877,000 | 15,245,000 |
| Noninterest expense | 4,568,000 | 14,922,000 | 22,937,000 | 30,921,000 |
| Provision for loan losses | 3,850,000 | 13,450,000 | 16,600,000 | 21,530,000 |
| Pretax income | -2,155,000 | -6,634,000 | -5,193,000 | -5,960,000 |
| Income tax | -910,000 | -2,627,000 | -2,300,000 | -2,715,000 |
| Net income | -1,245,000 | -4,007,000 | -2,893,000 | -3,245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,912,000 | 68,443,000 | 70,150,000 | 78,806,000 |
| Total capital | 44,155,000 | 76,341,000 | 77,915,000 | 86,367,000 |
| Risk-weighted assets | 330,423,000 | 616,383,000 | 605,456,000 | 587,280,000 |
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