Call reports 2007
UNITED BANK & TRUST — 2007
What UNITED BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 387,074,000 | 372,171,000 | 385,043,000 | 401,456,000 |
| Total loans | 254,398,000 | 250,685,000 | 259,747,000 | 279,204,000 |
| Allowance for loan losses | 2,803,000 | 2,684,000 | 2,680,000 | 2,988,000 |
| Securities available for sale | 83,042,000 | 84,159,000 | 85,332,000 | 82,068,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,195,000 | 311,107,000 | 313,737,000 | 322,975,000 |
| Interest-bearing deposits | 311,472,000 | 301,354,000 | 305,551,000 | 312,214,000 |
| Noninterest-bearing deposits | 8,723,000 | 9,753,000 | 8,186,000 | 10,761,000 |
| Equity capital | 44,695,000 | 42,359,000 | 43,511,000 | 44,965,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,012,000 | 12,152,000 | 18,229,000 | 24,537,000 |
| Interest expense | 2,706,000 | 5,446,000 | 8,263,000 | 11,130,000 |
| Net interest income | 3,306,000 | 6,706,000 | 9,966,000 | 13,407,000 |
| Noninterest income | 398,000 | 824,000 | 1,284,000 | 1,732,000 |
| Noninterest expense | 2,158,000 | 4,245,000 | 6,385,000 | 8,514,000 |
| Provision for loan losses | 2,000 | 2,000 | 6,000 | 313,000 |
| Pretax income | 1,541,000 | 3,277,000 | 4,850,000 | 6,300,000 |
| Income tax | 556,000 | 1,164,000 | 1,724,000 | 2,236,000 |
| Net income | 985,000 | 2,113,000 | 3,126,000 | 4,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,657,000 | 31,770,000 | 32,265,000 | 33,287,000 |
| Total capital | 36,460,000 | 34,454,000 | 34,945,000 | 36,275,000 |
| Risk-weighted assets | 262,395,000 | 256,107,000 | 266,710,000 | 283,007,000 |