Call reports 2017
UNITED BANK AND TRUST COMPANY — 2017
What UNITED BANK AND TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 155,684,000 | 154,552,000 | 160,676,000 | 159,325,000 |
| Total loans | 88,123,000 | 88,723,000 | 90,192,000 | 90,713,000 |
| Allowance for loan losses | 1,153,000 | 1,171,000 | 1,190,000 | 1,209,000 |
| Securities available for sale | 50,771,000 | 48,906,000 | 48,425,000 | 49,815,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,886,000 | 129,149,000 | 134,962,000 | 131,646,000 |
| Interest-bearing deposits | 108,183,000 | 107,307,000 | 110,214,000 | 107,056,000 |
| Noninterest-bearing deposits | 22,703,000 | 21,842,000 | 24,748,000 | 24,589,000 |
| Equity capital | 21,671,000 | 22,242,000 | 22,572,000 | 22,496,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,309,000 | 2,664,000 | 4,044,000 | 5,452,000 |
| Interest expense | 140,000 | 281,000 | 421,000 | 571,000 |
| Net interest income | 1,169,000 | 2,383,000 | 3,623,000 | 4,881,000 |
| Noninterest income | 101,000 | 207,000 | 301,000 | 428,000 |
| Noninterest expense | 768,000 | 1,425,000 | 2,082,000 | 2,751,000 |
| Provision for loan losses | 19,000 | 37,000 | 56,000 | 75,000 |
| Pretax income | 482,000 | 1,126,000 | 1,784,000 | 2,480,000 |
| Income tax | 24,000 | 57,000 | 89,000 | 124,000 |
| Net income | 458,000 | 1,069,000 | 1,695,000 | 2,356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,821,000 | 21,951,000 | 22,336,000 | 22,732,000 |
| Total capital | 22,974,000 | 23,122,000 | 23,526,000 | 23,941,000 |
| Risk-weighted assets | 100,795,000 | 101,244,000 | 103,237,000 | 104,033,000 |