Call reports 2011
UNITED BANK & TRUST — 2011
What UNITED BANK & TRUST reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 495,456,000 | 485,890,000 | 492,275,000 | 503,365,000 |
| Total loans | 323,402,000 | 330,343,000 | 327,967,000 | 331,485,000 |
| Allowance for loan losses | 6,987,000 | 5,730,000 | 5,747,000 | 5,151,000 |
| Securities available for sale | 118,287,000 | 109,742,000 | 107,213,000 | 121,662,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 390,189,000 | 383,891,000 | 372,764,000 | 384,307,000 |
| Interest-bearing deposits | 378,977,000 | 372,266,000 | 362,226,000 | 370,021,000 |
| Noninterest-bearing deposits | 11,212,000 | 11,625,000 | 10,538,000 | 14,286,000 |
| Equity capital | 55,728,000 | 56,225,000 | 62,651,000 | 63,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,198,000 | 10,495,000 | 15,806,000 | 21,029,000 |
| Interest expense | 1,533,000 | 2,953,000 | 4,311,000 | 5,613,000 |
| Net interest income | 3,665,000 | 7,542,000 | 11,495,000 | 15,416,000 |
| Noninterest income | 428,000 | 171,000 | -335,000 | -259,000 |
| Noninterest expense | 2,461,000 | 4,955,000 | 7,476,000 | 10,002,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,631,000 | 2,757,000 | 3,682,000 | 5,152,000 |
| Income tax | 561,000 | 938,000 | 1,242,000 | 1,743,000 |
| Net income | 1,070,000 | 1,819,000 | 2,440,000 | 3,409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,029,000 | 46,177,000 | 52,498,000 | 53,317,000 |
| Total capital | 50,358,000 | 50,599,000 | 56,905,000 | 57,756,000 |
| Risk-weighted assets | 343,628,000 | 352,409,000 | 351,223,000 | 354,408,000 |