Call reports 2014
UNITED BANK AND TRUST COMPANY — 2014
What UNITED BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 153,091,000 | 153,174,000 | 148,401,000 | 148,726,000 |
| Total loans | 74,276,000 | 74,832,000 | 79,413,000 | 81,937,000 |
| Allowance for loan losses | 904,000 | 927,000 | 951,000 | 973,000 |
| Securities available for sale | 63,213,000 | 62,105,000 | 54,872,000 | 53,013,000 |
| Securities held to maturity | 650,000 | 410,000 | 410,000 | 410,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,185,000 | 128,902,000 | 122,904,000 | 123,305,000 |
| Interest-bearing deposits | 108,720,000 | 107,542,000 | 100,960,000 | 100,567,000 |
| Noninterest-bearing deposits | 22,465,000 | 21,360,000 | 21,944,000 | 22,738,000 |
| Equity capital | 18,260,000 | 18,753,000 | 18,994,000 | 19,302,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,176,000 | 2,371,000 | 3,597,000 | 4,823,000 |
| Interest expense | 132,000 | 264,000 | 395,000 | 527,000 |
| Net interest income | 1,044,000 | 2,107,000 | 3,202,000 | 4,296,000 |
| Noninterest income | 103,000 | 198,000 | 293,000 | 418,000 |
| Noninterest expense | 749,000 | 1,412,000 | 2,076,000 | 2,734,000 |
| Provision for loan losses | 22,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 386,000 | 873,000 | 1,359,000 | 1,894,000 |
| Income tax | 19,000 | 44,000 | 68,000 | 95,000 |
| Net income | 367,000 | 829,000 | 1,291,000 | 1,799,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,136,000 | 18,311,000 | 18,622,000 | 18,980,000 |
| Total capital | 19,040,000 | 19,238,000 | 19,573,000 | 19,953,000 |
| Risk-weighted assets | 94,559,000 | 92,934,000 | 95,385,000 | 97,453,000 |
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