Call reports 2008
UNITED BANK & TRUST — 2008
What UNITED BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 410,180,000 | 416,206,000 | 419,136,000 | 429,585,000 |
| Total loans | 288,546,000 | 296,693,000 | 298,700,000 | 303,484,000 |
| Allowance for loan losses | 2,804,000 | 2,907,000 | 3,408,000 | 3,691,000 |
| Securities available for sale | 84,048,000 | 79,738,000 | 83,654,000 | 86,723,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,688,000 | 343,900,000 | 333,955,000 | 339,899,000 |
| Interest-bearing deposits | 315,757,000 | 332,175,000 | 322,945,000 | 328,608,000 |
| Noninterest-bearing deposits | 9,931,000 | 11,725,000 | 11,010,000 | 11,291,000 |
| Equity capital | 44,643,000 | 44,396,000 | 45,419,000 | 45,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,176,000 | 12,191,000 | 18,019,000 | 23,712,000 |
| Interest expense | 2,739,000 | 5,196,000 | 7,530,000 | 9,627,000 |
| Net interest income | 3,437,000 | 6,995,000 | 10,489,000 | 14,085,000 |
| Noninterest income | 424,000 | 856,000 | 1,348,000 | 1,917,000 |
| Noninterest expense | 2,219,000 | 4,519,000 | 6,936,000 | 9,472,000 |
| Provision for loan losses | 100,000 | 201,000 | 704,000 | 7,767,000 |
| Pretax income | 1,540,000 | 3,126,000 | 4,190,000 | -1,246,000 |
| Income tax | 543,000 | 1,095,000 | 1,453,000 | -568,000 |
| Net income | 997,000 | 2,031,000 | 2,737,000 | -678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,068,000 | 32,567,000 | 33,363,000 | 33,603,000 |
| Total capital | 34,872,000 | 35,474,000 | 36,771,000 | 37,294,000 |
| Risk-weighted assets | 290,563,000 | 296,488,000 | 298,644,000 | 309,470,000 |