Call reports 2009
UNITED BANK & TRUST - WASHTENAW — 2009
What UNITED BANK & TRUST - WASHTENAW reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 357,584,000 | 373,207,000 | 384,273,000 | 393,820,000 |
| Total loans | 324,374,000 | 321,979,000 | 325,972,000 | 325,037,000 |
| Allowance for loan losses | 8,466,000 | 8,478,000 | 9,627,000 | 7,605,000 |
| Securities available for sale | 12,159,000 | 16,513,000 | 20,125,000 | 17,809,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,300,000 | 314,728,000 | 330,204,000 | 339,573,000 |
| Interest-bearing deposits | 254,241,000 | 269,709,000 | 286,951,000 | 290,845,000 |
| Noninterest-bearing deposits | 43,059,000 | 45,019,000 | 43,253,000 | 48,728,000 |
| Equity capital | 32,900,000 | 33,361,000 | 33,277,000 | 33,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,645,000 | 9,367,000 | 14,195,000 | 19,206,000 |
| Interest expense | 1,520,000 | 2,928,000 | 4,264,000 | 5,530,000 |
| Net interest income | 3,125,000 | 6,439,000 | 9,931,000 | 13,676,000 |
| Noninterest income | 1,342,000 | 2,889,000 | 4,092,000 | 5,348,000 |
| Noninterest expense | 5,116,000 | 8,411,000 | 11,322,000 | 14,098,000 |
| Provision for loan losses | 2,270,000 | 3,770,000 | 5,770,000 | 7,270,000 |
| Pretax income | -2,919,000 | -2,853,000 | -3,069,000 | -2,344,000 |
| Income tax | -1,013,000 | -1,011,000 | -1,108,000 | -886,000 |
| Net income | -1,906,000 | -1,842,000 | -1,961,000 | -1,458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,658,000 | 33,122,000 | 33,003,000 | 33,506,000 |
| Total capital | 36,683,000 | 37,157,000 | 37,097,000 | 37,518,000 |
| Risk-weighted assets | 317,514,000 | 317,543,000 | 321,994,000 | 317,347,000 |