Call reports 2012
UNITED BANK & TRUST — 2012
What UNITED BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 913,271,000 | 884,040,000 | 897,538,000 | 906,438,000 |
| Total loans | 587,227,000 | 587,628,000 | 603,574,000 | 600,058,000 |
| Allowance for loan losses | 21,048,000 | 22,097,000 | 22,459,000 | 22,542,000 |
| Securities available for sale | 183,385,000 | 191,859,000 | 198,043,000 | 206,101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 797,143,000 | 765,632,000 | 779,676,000 | 789,609,000 |
| Interest-bearing deposits | 631,970,000 | 600,081,000 | 616,692,000 | 619,214,000 |
| Noninterest-bearing deposits | 165,173,000 | 165,551,000 | 162,984,000 | 170,395,000 |
| Equity capital | 88,530,000 | 89,963,000 | 92,008,000 | 91,238,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 8,844,000 | 17,616,000 | 26,361,000 | 34,748,000 |
| Interest expense | 1,264,000 | 2,455,000 | 3,540,000 | 4,528,000 |
| Net interest income | 7,580,000 | 15,161,000 | 22,821,000 | 30,220,000 |
| Noninterest income | 4,657,000 | 9,859,000 | 15,044,000 | 20,864,000 |
| Noninterest expense | 8,972,000 | 17,632,000 | 26,459,000 | 35,873,000 |
| Provision for loan losses | 2,100,000 | 4,650,000 | 6,650,000 | 8,350,000 |
| Pretax income | 1,169,000 | 2,742,000 | 4,760,000 | 6,865,000 |
| Income tax | 254,000 | 660,000 | 1,210,000 | 1,791,000 |
| Net income | 915,000 | 2,082,000 | 3,550,000 | 5,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,187,000 | 82,126,000 | 84,881,000 | 85,727,000 |
| Total capital | 88,568,000 | 89,530,000 | 92,472,000 | 93,370,000 |
| Risk-weighted assets | 576,801,000 | 577,592,000 | 592,435,000 | 596,540,000 |
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