Call reports 2020
UNITED BANK AND TRUST COMPANY — 2020
What UNITED BANK AND TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 171,911,000 | 181,770,000 | 180,142,000 | 195,120,000 |
| Total loans | 98,684,000 | 99,520,000 | 100,455,000 | 100,340,000 |
| Allowance for loan losses | 1,352,000 | 1,376,000 | 1,398,000 | 1,415,000 |
| Securities available for sale | 51,181,000 | 60,896,000 | 63,068,000 | 68,926,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,092,000 | 152,189,000 | 150,394,000 | 165,318,000 |
| Interest-bearing deposits | 118,326,000 | 124,984,000 | 125,081,000 | 132,319,000 |
| Noninterest-bearing deposits | 24,766,000 | 27,206,000 | 25,313,000 | 33,000,000 |
| Equity capital | 26,055,000 | 27,262,000 | 27,481,000 | 27,606,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,640,000 | 3,326,000 | 4,974,000 | 6,446,000 |
| Interest expense | 304,000 | 582,000 | 832,000 | 1,058,000 |
| Net interest income | 1,336,000 | 2,744,000 | 4,142,000 | 5,388,000 |
| Noninterest income | 91,000 | 162,000 | 232,000 | 342,000 |
| Noninterest expense | 774,000 | 1,419,000 | 2,093,000 | 2,777,000 |
| Provision for loan losses | 22,000 | 45,000 | 67,000 | 90,000 |
| Pretax income | 642,000 | 1,511,000 | 2,295,000 | 2,944,000 |
| Income tax | 32,000 | 76,000 | 115,000 | 147,000 |
| Net income | 610,000 | 1,435,000 | 2,180,000 | 2,797,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,954,000 | 25,859,000 | 26,145,000 | 26,302,000 |