Call reports 2018
UNITED BANK AND TRUST COMPANY — 2018
What UNITED BANK AND TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 157,127,000 | 154,987,000 | 157,528,000 | 161,035,000 |
| Total loans | 92,181,000 | 91,455,000 | 93,067,000 | 94,584,000 |
| Allowance for loan losses | 1,231,000 | 1,253,000 | 1,276,000 | 1,291,000 |
| Securities available for sale | 46,681,000 | 44,276,000 | 42,861,000 | 42,882,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,032,000 | 129,781,000 | 132,178,000 | 134,995,000 |
| Interest-bearing deposits | 109,654,000 | 107,481,000 | 107,259,000 | 106,252,000 |
| Noninterest-bearing deposits | 22,378,000 | 22,300,000 | 24,919,000 | 28,743,000 |
| Equity capital | 22,493,000 | 22,556,000 | 22,694,000 | 23,447,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,407,000 | 2,834,000 | 4,284,000 | 5,779,000 |
| Interest expense | 155,000 | 327,000 | 525,000 | 744,000 |
| Net interest income | 1,252,000 | 2,507,000 | 3,759,000 | 5,035,000 |
| Noninterest income | 94,000 | 193,000 | 282,000 | 416,000 |
| Noninterest expense | 806,000 | 1,479,000 | 2,122,000 | 2,778,000 |
| Provision for loan losses | 22,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 521,000 | 1,179,000 | 1,843,000 | 2,567,000 |
| Income tax | 26,000 | 59,000 | 92,000 | 128,000 |
| Net income | 495,000 | 1,120,000 | 1,751,000 | 2,439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,228,000 | 23,321,000 | 23,664,000 | 24,060,000 |
| Total capital | 24,459,000 | 24,574,000 | 24,940,000 | 25,351,000 |
| Risk-weighted assets | 103,984,000 | 100,845,000 | 102,768,000 | 103,798,000 |
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