Call reports 2016
UNITED BANK AND TRUST COMPANY — 2016
What UNITED BANK AND TRUST COMPANY 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 | 153,150,000 | 152,996,000 | 154,130,000 | 153,825,000 |
| Total loans | 83,930,000 | 86,056,000 | 88,480,000 | 87,056,000 |
| Allowance for loan losses | 1,077,000 | 1,096,000 | 1,115,000 | 1,134,000 |
| Securities available for sale | 53,589,000 | 51,584,000 | 49,287,000 | 49,776,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,857,000 | 127,899,000 | 126,715,000 | 129,784,000 |
| Interest-bearing deposits | 109,217,000 | 105,935,000 | 104,586,000 | 105,985,000 |
| Noninterest-bearing deposits | 19,640,000 | 21,964,000 | 22,129,000 | 23,799,000 |
| Equity capital | 21,126,000 | 21,705,000 | 21,856,000 | 20,982,000 |
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 | 1,251,000 | 2,556,000 | 3,868,000 | 5,179,000 |
| Interest expense | 135,000 | 272,000 | 414,000 | 554,000 |
| Net interest income | 1,116,000 | 2,284,000 | 3,454,000 | 4,625,000 |
| Noninterest income | 105,000 | 212,000 | 304,000 | 427,000 |
| Noninterest expense | 760,000 | 1,414,000 | 2,077,000 | 2,741,000 |
| Provision for loan losses | 18,000 | 37,000 | 56,000 | 75,000 |
| Pretax income | 443,000 | 1,074,000 | 1,669,000 | 2,238,000 |
| Income tax | 22,000 | 54,000 | 83,000 | 112,000 |
| Net income | 421,000 | 1,020,000 | 1,586,000 | 2,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,542,000 | 20,747,000 | 21,102,000 | 21,362,000 |
| Total capital | 21,619,000 | 21,843,000 | 22,217,000 | 22,496,000 |
| Risk-weighted assets | 87,692,000 | 98,511,000 | 100,892,000 | 99,509,000 |