Call reports 2006
UNITED BANK & TRUST - WASHTENAW — 2006
What UNITED BANK & TRUST - WASHTENAW reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 229,843,000 | 245,258,000 | 250,106,000 | 260,885,000 |
| Total loans | 199,080,000 | 210,140,000 | 221,423,000 | 235,363,000 |
| Allowance for loan losses | 2,127,000 | 2,316,000 | 2,520,000 | 2,800,000 |
| Securities available for sale | 14,794,000 | 15,203,000 | 11,778,000 | 11,766,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,729,000 | 206,445,000 | 202,806,000 | 213,894,000 |
| Interest-bearing deposits | 153,630,000 | 165,679,000 | 166,218,000 | 181,549,000 |
| Noninterest-bearing deposits | 37,099,000 | 40,766,000 | 36,588,000 | 32,345,000 |
| Equity capital | 22,609,000 | 23,708,000 | 24,933,000 | 25,972,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,941,000 | 7,983,000 | 12,377,000 | 16,968,000 |
| Interest expense | 1,259,000 | 2,708,000 | 4,366,000 | 6,250,000 |
| Net interest income | 2,682,000 | 5,275,000 | 8,011,000 | 10,718,000 |
| Noninterest income | 455,000 | 1,016,000 | 1,560,000 | 2,166,000 |
| Noninterest expense | 2,020,000 | 4,081,000 | 6,220,000 | 8,446,000 |
| Provision for loan losses | 114,000 | 301,000 | 506,000 | 785,000 |
| Pretax income | 1,003,000 | 1,909,000 | 2,845,000 | 3,653,000 |
| Income tax | 321,000 | 610,000 | 910,000 | 1,166,000 |
| Net income | 682,000 | 1,299,000 | 1,935,000 | 2,487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,648,000 | 21,765,000 | 22,900,000 | 23,952,000 |
| Total capital | 22,775,000 | 24,081,000 | 25,420,000 | 26,752,000 |
| Risk-weighted assets | 209,091,000 | 222,912,000 | 230,308,000 | 241,226,000 |