Call reports 2019
UNITED BANK AND TRUST COMPANY — 2019
What UNITED BANK AND TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 160,789,000 | 163,640,000 | 164,893,000 | 170,517,000 |
| Total loans | 94,655,000 | 96,475,000 | 95,121,000 | 96,756,000 |
| Allowance for loan losses | 1,313,000 | 1,288,000 | 1,310,000 | 1,325,000 |
| Securities available for sale | 44,817,000 | 44,552,000 | 45,423,000 | 48,165,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,611,000 | 135,872,000 | 136,631,000 | 142,047,000 |
| Interest-bearing deposits | 112,563,000 | 113,232,000 | 111,520,000 | 118,522,000 |
| Noninterest-bearing deposits | 21,048,000 | 22,640,000 | 25,111,000 | 23,525,000 |
| Equity capital | 24,489,000 | 25,025,000 | 25,521,000 | 25,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,521,000 | 3,120,000 | 4,743,000 | 6,363,000 |
| Interest expense | 263,000 | 554,000 | 856,000 | 1,168,000 |
| Net interest income | 1,258,000 | 2,566,000 | 3,887,000 | 5,195,000 |
| Noninterest income | 94,000 | 197,000 | 285,000 | 407,000 |
| Noninterest expense | 781,000 | 1,431,000 | 2,085,000 | 2,739,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 548,000 | 1,281,000 | 1,996,000 | 2,749,000 |
| Income tax | 27,000 | 64,000 | 100,000 | 137,000 |
| Net income | 521,000 | 1,217,000 | 1,896,000 | 2,612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,583,000 | 24,699,000 | 25,088,000 | 25,344,000 |
| Total capital | 25,886,000 | 25,987,000 | 26,379,000 | 26,669,000 |
| Risk-weighted assets | 104,253,000 | 105,981,000 | 103,297,000 | 107,721,000 |