Call reports 2010
UNITED BANK & TRUST — 2010
What UNITED BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 454,408,000 | 458,949,000 | 471,686,000 | 497,695,000 |
| Total loans | 317,029,000 | 319,760,000 | 316,446,000 | 326,717,000 |
| Allowance for loan losses | 5,227,000 | 4,967,000 | 5,190,000 | 7,000,000 |
| Securities available for sale | 101,467,000 | 93,706,000 | 93,470,000 | 105,420,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 357,721,000 | 360,120,000 | 367,169,000 | 389,693,000 |
| Interest-bearing deposits | 347,239,000 | 349,385,000 | 356,044,000 | 377,170,000 |
| Noninterest-bearing deposits | 10,482,000 | 10,735,000 | 11,125,000 | 12,523,000 |
| Equity capital | 54,579,000 | 54,766,000 | 55,024,000 | 55,384,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,374,000 | 10,838,000 | 16,348,000 | 21,566,000 |
| Interest expense | 1,644,000 | 3,292,000 | 4,953,000 | 6,565,000 |
| Net interest income | 3,730,000 | 7,546,000 | 11,395,000 | 15,001,000 |
| Noninterest income | 398,000 | 845,000 | 865,000 | 1,257,000 |
| Noninterest expense | 2,417,000 | 5,167,000 | 7,779,000 | 10,349,000 |
| Provision for loan losses | 101,000 | 702,000 | 2,035,000 | 2,000,000 |
| Pretax income | 1,609,000 | 2,519,000 | 2,989,000 | 4,477,000 |
| Income tax | 555,000 | 834,000 | 1,002,000 | 1,443,000 |
| Net income | 1,054,000 | 1,685,000 | 1,987,000 | 3,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,127,000 | 44,159,000 | 44,360,000 | 45,558,000 |
| Total capital | 48,176,000 | 48,269,000 | 48,512,000 | 49,871,000 |
| Risk-weighted assets | 322,762,000 | 327,937,000 | 331,091,000 | 342,369,000 |