Call reports 2016
UNITED TRUST BANK — 2016
What UNITED TRUST BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 35,938,000 | 39,373,000 | 38,916,000 | 37,838,000 |
| Total loans | 21,838,000 | 22,496,000 | 22,205,000 | 22,387,000 |
| Allowance for loan losses | 297,000 | 325,000 | 314,000 | 317,000 |
| Securities available for sale | 316,000 | 292,000 | 260,000 | 237,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,100,000 | 36,720,000 | 36,490,000 | 35,207,000 |
| Interest-bearing deposits | 28,284,000 | 32,072,000 | 31,598,000 | 30,081,000 |
| Noninterest-bearing deposits | 4,816,000 | 4,648,000 | 4,892,000 | 5,126,000 |
| Equity capital | 2,608,000 | 2,350,000 | 2,126,000 | 2,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 297,000 | 598,000 | 914,000 | 1,226,000 |
| Interest expense | 62,000 | 127,000 | 200,000 | 269,000 |
| Net interest income | 235,000 | 471,000 | 714,000 | 957,000 |
| Noninterest income | 76,000 | 154,000 | 235,000 | 309,000 |
| Noninterest expense | 533,000 | 1,079,000 | 1,626,000 | 2,134,000 |
| Provision for loan losses | 2,000 | 27,000 | 27,000 | 27,000 |
| Pretax income | -224,000 | -481,000 | -704,000 | -895,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -224,000 | -481,000 | -704,000 | -895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,602,000 | 2,345,000 | 2,121,000 | 2,341,000 |
| Total capital | 2,899,000 | 2,657,000 | 2,422,000 | 2,640,000 |
| Risk-weighted assets | 24,626,000 | 25,023,000 | 24,102,000 | 23,944,000 |