Call reports 2012
UNITED BANK & TRUST — 2012
What UNITED BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 529,293,000 | 532,477,000 | 526,312,000 | 547,458,000 |
| Total loans | 318,126,000 | 327,776,000 | 338,025,000 | 347,828,000 |
| Allowance for loan losses | 5,297,000 | 4,936,000 | 5,080,000 | 5,197,000 |
| Securities available for sale | 147,246,000 | 146,329,000 | 141,303,000 | 124,905,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 407,094,000 | 408,310,000 | 392,786,000 | 421,423,000 |
| Interest-bearing deposits | 392,452,000 | 396,438,000 | 378,710,000 | 404,043,000 |
| Noninterest-bearing deposits | 14,642,000 | 11,872,000 | 14,076,000 | 17,380,000 |
| Equity capital | 63,264,000 | 64,130,000 | 64,646,000 | 64,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,180,000 | 10,364,000 | 15,647,000 | 20,912,000 |
| Interest expense | 1,257,000 | 2,457,000 | 3,595,000 | 4,651,000 |
| Net interest income | 3,923,000 | 7,907,000 | 12,052,000 | 16,261,000 |
| Noninterest income | 490,000 | 694,000 | 1,140,000 | 1,434,000 |
| Noninterest expense | 2,504,000 | 5,282,000 | 7,922,000 | 10,556,000 |
| Provision for loan losses | 107,000 | 313,000 | 420,000 | 528,000 |
| Pretax income | 1,800,000 | 2,980,000 | 4,780,000 | 6,510,000 |
| Income tax | 563,000 | 895,000 | 1,451,000 | 1,973,000 |
| Net income | 1,237,000 | 2,085,000 | 3,329,000 | 4,537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,954,000 | 54,202,000 | 54,847,000 | 55,454,000 |
| Total capital | 58,368,000 | 58,730,000 | 59,490,000 | 60,292,000 |
| Risk-weighted assets | 352,259,000 | 361,859,000 | 371,021,000 | 386,641,000 |