Call reports 2004
UNITED BANK & TRUST — 2004
What UNITED BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 361,498,000 | 365,439,000 | 359,858,000 | 368,279,000 |
| Total loans | 205,771,000 | 222,120,000 | 222,082,000 | 223,852,000 |
| Allowance for loan losses | 2,751,000 | 2,748,000 | 2,736,000 | 2,701,000 |
| Securities available for sale | 112,881,000 | 106,437,000 | 100,375,000 | 104,651,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,036,000 | 311,646,000 | 305,219,000 | 312,429,000 |
| Interest-bearing deposits | 290,169,000 | 288,786,000 | 282,627,000 | 288,191,000 |
| Noninterest-bearing deposits | 18,867,000 | 22,860,000 | 22,592,000 | 24,238,000 |
| Equity capital | 40,340,000 | 39,810,000 | 41,501,000 | 41,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,801,000 | 5,712,000 | 9,890,000 | 14,218,000 |
| Interest expense | 881,000 | 2,525,000 | 4,121,000 | 5,667,000 |
| Net interest income | 920,000 | 3,187,000 | 5,769,000 | 8,551,000 |
| Noninterest income | 118,000 | 473,000 | 806,000 | 1,169,000 |
| Noninterest expense | 731,000 | 2,279,000 | 3,987,000 | 5,963,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 307,000 | 1,374,000 | 2,646,000 | 3,808,000 |
| Income tax | 77,000 | 509,000 | 971,000 | 1,444,000 |
| Net income | 230,000 | 865,000 | 1,675,000 | 2,364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,836,000 | 28,011,000 | 29,358,000 | 29,831,000 |
| Total capital | 30,360,000 | 30,759,000 | 32,094,000 | 32,532,000 |
| Risk-weighted assets | 201,729,000 | 226,700,000 | 224,726,000 | 227,029,000 |