Call reports 2009
UNITED BANK & TRUST — 2009
What UNITED BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 437,511,000 | 452,920,000 | 448,281,000 | 466,062,000 |
| Total loans | 304,257,000 | 308,501,000 | 308,794,000 | 315,370,000 |
| Allowance for loan losses | 3,923,000 | 4,921,000 | 5,743,000 | 5,927,000 |
| Securities available for sale | 87,849,000 | 107,475,000 | 103,113,000 | 107,297,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 352,282,000 | 368,030,000 | 353,677,000 | 368,291,000 |
| Interest-bearing deposits | 341,552,000 | 357,451,000 | 343,863,000 | 353,711,000 |
| Noninterest-bearing deposits | 10,730,000 | 10,579,000 | 9,814,000 | 14,580,000 |
| Equity capital | 45,938,000 | 45,333,000 | 52,820,000 | 53,665,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,587,000 | 11,010,000 | 16,657,000 | 22,054,000 |
| Interest expense | 1,905,000 | 3,787,000 | 5,598,000 | 7,346,000 |
| Net interest income | 3,682,000 | 7,223,000 | 11,059,000 | 14,708,000 |
| Noninterest income | 371,000 | 832,000 | 1,284,000 | 1,676,000 |
| Noninterest expense | 2,370,000 | 5,015,000 | 7,516,000 | 9,912,000 |
| Provision for loan losses | 251,000 | 1,255,000 | 3,106,000 | 3,106,000 |
| Pretax income | 1,430,000 | 2,792,000 | 2,767,000 | 4,409,000 |
| Income tax | 482,000 | 940,000 | 889,000 | 1,446,000 |
| Net income | 948,000 | 1,852,000 | 1,878,000 | 2,963,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,258,000 | 35,213,000 | 42,164,000 | 43,173,000 |
| Total capital | 38,150,000 | 39,208,000 | 46,151,000 | 47,238,000 |
| Risk-weighted assets | 311,336,000 | 319,027,000 | 317,176,000 | 323,339,000 |