Call reports 2023
UNITED TRUST BANK — 2023
What UNITED TRUST BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 142,917,000 | 153,414,000 | 162,058,000 | 159,096,000 |
| Total loans | 119,366,000 | 135,634,000 | 136,815,000 | 135,194,000 |
| Allowance for loan losses | 750,000 | 798,000 | 829,000 | 834,000 |
| Securities available for sale | 37,000 | 35,000 | 32,000 | 31,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,133,000 | 101,898,000 | 110,029,000 | 104,108,000 |
| Interest-bearing deposits | 73,769,000 | 78,997,000 | 83,628,000 | 80,983,000 |
| Noninterest-bearing deposits | 22,364,000 | 22,901,000 | 26,401,000 | 23,125,000 |
| Equity capital | 12,241,000 | 12,365,000 | 12,637,000 | 13,532,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,695,000 | 3,625,000 | 5,864,000 | 8,147,000 |
| Interest expense | 899,000 | 1,988,000 | 3,287,000 | 4,646,000 |
| Net interest income | 796,000 | 1,637,000 | 2,577,000 | 3,501,000 |
| Noninterest income | 3,699,000 | 7,666,000 | 12,016,000 | 16,281,000 |
| Noninterest expense | 4,332,000 | 8,915,000 | 13,859,000 | 18,156,000 |
| Provision for loan losses | 57,000 | 105,000 | 153,000 | 157,000 |
| Pretax income | 106,000 | 283,000 | 581,000 | 1,469,000 |
| Income tax | 32,000 | 85,000 | 110,000 | 104,000 |
| Net income | 74,000 | 198,000 | 471,000 | 1,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,241,000 | 12,365,000 | 12,637,000 | 13,532,000 |
| Total capital | 12,991,000 | 13,163,000 | 13,466,000 | 14,366,000 |
| Risk-weighted assets | 78,262,000 | 87,463,000 | 89,435,000 | 89,728,000 |