Call reports 2015
UNITED BANK AND TRUST COMPANY — 2015
What UNITED BANK AND TRUST COMPANY 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 | 150,241,000 | 147,487,000 | 150,477,000 | 153,750,000 |
| Total loans | 80,822,000 | 80,690,000 | 83,038,000 | 83,305,000 |
| Allowance for loan losses | 988,000 | 1,011,000 | 1,037,000 | 1,059,000 |
| Securities available for sale | 53,730,000 | 51,754,000 | 51,443,000 | 53,358,000 |
| Securities held to maturity | 110,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,132,000 | 124,705,000 | 123,894,000 | 128,738,000 |
| Interest-bearing deposits | 106,118,000 | 104,806,000 | 104,845,000 | 106,996,000 |
| Noninterest-bearing deposits | 21,014,000 | 19,899,000 | 19,049,000 | 21,742,000 |
| Equity capital | 19,950,000 | 19,638,000 | 20,206,000 | 20,439,000 |
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 | 1,198,000 | 2,415,000 | 3,650,000 | 4,908,000 |
| Interest expense | 129,000 | 258,000 | 391,000 | 528,000 |
| Net interest income | 1,069,000 | 2,157,000 | 3,259,000 | 4,380,000 |
| Noninterest income | 100,000 | 206,000 | 304,000 | 426,000 |
| Noninterest expense | 748,000 | 1,409,000 | 2,087,000 | 2,757,000 |
| Provision for loan losses | 22,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 399,000 | 916,000 | 1,413,000 | 1,964,000 |
| Income tax | 20,000 | 46,000 | 71,000 | 98,000 |
| Net income | 379,000 | 870,000 | 1,342,000 | 1,866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,359,000 | 19,493,000 | 19,776,000 | 20,123,000 |
| Total capital | 20,347,000 | 20,504,000 | 20,813,000 | 21,182,000 |
| Risk-weighted assets | 99,016,000 | 95,793,000 | 99,539,000 | 89,050,000 |