Call reports 2005
UNITED BANK & TRUST — 2005
What UNITED BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 375,542,000 | 375,571,000 | 369,167,000 | 375,170,000 |
| Total loans | 237,403,000 | 241,163,000 | 235,195,000 | 239,583,000 |
| Allowance for loan losses | 2,558,000 | 2,571,000 | 2,678,000 | 2,663,000 |
| Securities available for sale | 102,900,000 | 101,333,000 | 100,035,000 | 99,243,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,230,000 | 299,326,000 | 295,615,000 | 306,027,000 |
| Interest-bearing deposits | 277,085,000 | 277,228,000 | 274,039,000 | 280,178,000 |
| Noninterest-bearing deposits | 22,145,000 | 22,098,000 | 21,576,000 | 25,849,000 |
| Equity capital | 40,955,000 | 42,542,000 | 43,270,000 | 42,779,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,417,000 | 9,185,000 | 14,144,000 | 19,197,000 |
| Interest expense | 1,592,000 | 3,380,000 | 5,352,000 | 7,348,000 |
| Net interest income | 2,825,000 | 5,805,000 | 8,792,000 | 11,849,000 |
| Noninterest income | 361,000 | 812,000 | 1,220,000 | 1,610,000 |
| Noninterest expense | 1,815,000 | 3,667,000 | 5,582,000 | 7,541,000 |
| Provision for loan losses | 0 | 0 | 105,000 | 109,000 |
| Pretax income | 1,364,000 | 2,934,000 | 4,300,000 | 5,778,000 |
| Income tax | 506,000 | 1,088,000 | 1,558,000 | 2,107,000 |
| Net income | 858,000 | 1,846,000 | 2,742,000 | 3,671,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,580,000 | 31,106,000 | 32,084,000 | 32,097,000 |
| Total capital | 32,138,000 | 33,677,000 | 34,762,000 | 34,760,000 |
| Risk-weighted assets | 234,598,000 | 235,559,000 | 237,278,000 | 244,446,000 |