Call reports 2015
UNITED TRUST BANK — 2015
What UNITED TRUST BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 38,307,000 | 38,303,000 | 37,325,000 | 35,064,000 |
| Total loans | 25,251,000 | 24,480,000 | 23,067,000 | 21,224,000 |
| Allowance for loan losses | 355,000 | 387,000 | 389,000 | 303,000 |
| Securities available for sale | 415,000 | 394,000 | 366,000 | 339,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,821,000 | 36,154,000 | 35,330,000 | 32,861,000 |
| Interest-bearing deposits | 32,146,000 | 31,866,000 | 30,807,000 | 28,773,000 |
| Noninterest-bearing deposits | 3,675,000 | 4,288,000 | 4,523,000 | 4,088,000 |
| Equity capital | 2,159,000 | 1,976,000 | 1,786,000 | 1,966,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 330,000 | 681,000 | 1,030,000 | 1,432,000 |
| Interest expense | 64,000 | 130,000 | 195,000 | 255,000 |
| Net interest income | 266,000 | 551,000 | 835,000 | 1,177,000 |
| Noninterest income | 59,000 | 121,000 | 190,000 | 265,000 |
| Noninterest expense | 524,000 | 1,055,000 | 1,597,000 | 2,130,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | -288,000 |
| Pretax income | -209,000 | -393,000 | -582,000 | -400,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -209,000 | -393,000 | -582,000 | -400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,151,000 | 1,968,000 | 1,779,000 | 1,961,000 |
| Total capital | 2,498,000 | 2,306,000 | 2,097,000 | 2,263,000 |
| Risk-weighted assets | 27,764,000 | 27,010,000 | 25,400,000 | 24,198,000 |