Call reports 2005
UNITED BANK & TRUST - WASHTENAW — 2005
What UNITED BANK & TRUST - WASHTENAW reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 193,509,000 | 206,239,000 | 218,460,000 | 224,673,000 |
| Total loans | 163,955,000 | 172,671,000 | 178,628,000 | 193,006,000 |
| Allowance for loan losses | 1,640,000 | 1,760,000 | 1,892,000 | 2,044,000 |
| Securities available for sale | 15,802,000 | 15,929,000 | 15,412,000 | 15,855,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,871,000 | 177,364,000 | 188,053,000 | 188,406,000 |
| Interest-bearing deposits | 129,111,000 | 144,175,000 | 151,117,000 | 151,949,000 |
| Noninterest-bearing deposits | 27,760,000 | 33,189,000 | 36,936,000 | 36,457,000 |
| Equity capital | 18,063,000 | 19,316,000 | 20,727,000 | 21,937,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,527,000 | 5,466,000 | 8,702,000 | 12,238,000 |
| Interest expense | 671,000 | 1,487,000 | 2,453,000 | 3,551,000 |
| Net interest income | 1,856,000 | 3,979,000 | 6,249,000 | 8,687,000 |
| Noninterest income | 437,000 | 1,023,000 | 1,558,000 | 2,093,000 |
| Noninterest expense | 1,821,000 | 3,768,000 | 5,641,000 | 7,525,000 |
| Provision for loan losses | 134,000 | 247,000 | 387,000 | 539,000 |
| Pretax income | 338,000 | 987,000 | 1,779,000 | 2,716,000 |
| Income tax | 97,000 | 300,000 | 551,000 | 850,000 |
| Net income | 241,000 | 687,000 | 1,228,000 | 1,866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,090,000 | 17,286,000 | 18,728,000 | 19,966,000 |
| Total capital | 17,730,000 | 19,046,000 | 20,620,000 | 22,010,000 |
| Risk-weighted assets | 171,306,000 | 182,581,000 | 190,846,000 | 204,636,000 |