Call reports 2013
UNITED BANK AND TRUST COMPANY — 2013
What UNITED BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 147,872,000 | 145,175,000 | 147,008,000 | 151,857,000 |
| Total loans | 75,014,000 | 74,925,000 | 75,723,000 | 76,658,000 |
| Allowance for loan losses | 839,000 | 861,000 | 864,000 | 885,000 |
| Securities available for sale | 60,928,000 | 57,387,000 | 55,625,000 | 60,442,000 |
| Securities held to maturity | 850,000 | 850,000 | 850,000 | 650,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,324,000 | 122,688,000 | 125,239,000 | 130,542,000 |
| Interest-bearing deposits | 106,717,000 | 103,021,000 | 101,657,000 | 107,107,000 |
| Noninterest-bearing deposits | 18,607,000 | 19,667,000 | 23,582,000 | 23,435,000 |
| Equity capital | 18,141,000 | 16,953,000 | 17,666,000 | 17,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,194,000 | 2,380,000 | 3,571,000 | 4,762,000 |
| Interest expense | 159,000 | 301,000 | 440,000 | 574,000 |
| Net interest income | 1,035,000 | 2,079,000 | 3,131,000 | 4,188,000 |
| Noninterest income | 104,000 | 204,000 | 303,000 | 419,000 |
| Noninterest expense | 734,000 | 1,400,000 | 2,059,000 | 2,700,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 385,000 | 890,000 | 1,344,000 | 1,842,000 |
| Income tax | 19,000 | 44,000 | 67,000 | 92,000 |
| Net income | 366,000 | 846,000 | 1,277,000 | 1,750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,945,000 | 17,284,000 | 17,577,000 | 17,756,000 |
| Total capital | 17,784,000 | 18,145,000 | 18,441,000 | 18,641,000 |
| Risk-weighted assets | 93,473,000 | 93,968,000 | 95,130,000 | 96,567,000 |