Call reports 2006
UNITED BANK & TRUST — 2006
What UNITED BANK & TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 383,982,000 | 393,357,000 | 380,237,000 | 388,071,000 |
| Total loans | 242,696,000 | 246,641,000 | 249,841,000 | 266,120,000 |
| Allowance for loan losses | 2,658,000 | 2,656,000 | 2,661,000 | 2,824,000 |
| Securities available for sale | 108,108,000 | 112,924,000 | 93,371,000 | 85,302,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,125,000 | 306,296,000 | 304,897,000 | 308,721,000 |
| Interest-bearing deposits | 287,624,000 | 281,437,000 | 297,003,000 | 300,435,000 |
| Noninterest-bearing deposits | 25,501,000 | 24,859,000 | 7,894,000 | 8,286,000 |
| Equity capital | 41,562,000 | 41,035,000 | 42,800,000 | 43,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,179,000 | 10,747,000 | 16,571,000 | 22,644,000 |
| Interest expense | 2,176,000 | 4,683,000 | 7,333,000 | 10,099,000 |
| Net interest income | 3,003,000 | 6,064,000 | 9,238,000 | 12,545,000 |
| Noninterest income | 368,000 | 789,000 | 1,176,000 | 1,576,000 |
| Noninterest expense | 2,005,000 | 4,024,000 | 6,097,000 | 8,145,000 |
| Provision for loan losses | 3,000 | 7,000 | 9,000 | 512,000 |
| Pretax income | 1,359,000 | 2,813,000 | 4,293,000 | 5,446,000 |
| Income tax | 496,000 | 1,019,000 | 1,484,000 | 1,890,000 |
| Net income | 863,000 | 1,794,000 | 2,809,000 | 3,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,044,000 | 30,959,000 | 32,058,000 | 32,688,000 |
| Total capital | 33,702,000 | 33,615,000 | 34,719,000 | 35,512,000 |
| Risk-weighted assets | 248,758,000 | 253,212,000 | 259,327,000 | 266,886,000 |