Call reports 2021
UNITED BANK AND TRUST COMPANY — 2021
What UNITED BANK AND TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 203,425,000 | 211,108,000 | 205,095,000 | 216,663,000 |
| Total loans | 100,749,000 | 97,870,000 | 101,324,000 | 105,800,000 |
| Allowance for loan losses | 1,433,000 | 1,452,000 | 1,471,000 | 1,490,000 |
| Securities available for sale | 77,728,000 | 82,620,000 | 83,729,000 | 85,438,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,010,000 | 181,865,000 | 175,854,000 | 187,636,000 |
| Interest-bearing deposits | 135,808,000 | 142,679,000 | 138,909,000 | 144,929,000 |
| Noninterest-bearing deposits | 38,202,000 | 39,186,000 | 36,945,000 | 42,707,000 |
| Equity capital | 27,238,000 | 27,588,000 | 27,630,000 | 27,459,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,720,000 | 3,339,000 | 4,778,000 | 6,285,000 |
| Interest expense | 174,000 | 326,000 | 451,000 | 566,000 |
| Net interest income | 1,546,000 | 3,013,000 | 4,327,000 | 5,719,000 |
| Noninterest income | 88,000 | 174,000 | 247,000 | 332,000 |
| Noninterest expense | 799,000 | 1,460,000 | 2,170,000 | 2,848,000 |
| Provision for loan losses | 19,000 | 37,000 | 56,000 | 75,000 |
| Pretax income | 816,000 | 1,690,000 | 2,348,000 | 3,128,000 |
| Income tax | 41,000 | 84,000 | 117,000 | 156,000 |
| Net income | 775,000 | 1,606,000 | 2,231,000 | 2,972,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,587,000 | 26,926,000 | 27,062,000 | 27,313,000 |