Call reports 2022
UNITED BANK AND TRUST COMPANY — 2022
What UNITED BANK AND TRUST COMPANY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 218,830,000 | 213,846,000 | 204,587,000 | 209,991,000 |
| Total loans | 98,867,000 | 99,418,000 | 107,842,000 | 115,602,000 |
| Allowance for loan losses | 1,509,000 | 1,527,000 | 1,543,000 | 1,562,000 |
| Securities available for sale | 84,961,000 | 83,923,000 | 77,790,000 | 77,756,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,216,000 | 193,917,000 | 187,697,000 | 188,964,000 |
| Interest-bearing deposits | 155,238,000 | 154,798,000 | 150,053,000 | 146,541,000 |
| Noninterest-bearing deposits | 39,978,000 | 39,119,000 | 37,644,000 | 42,423,000 |
| Equity capital | 22,030,000 | 18,849,000 | 15,808,000 | 18,918,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,483,000 | 3,079,000 | 4,758,000 | 6,570,000 |
| Interest expense | 103,000 | 206,000 | 338,000 | 557,000 |
| Net interest income | 1,380,000 | 2,873,000 | 4,420,000 | 6,013,000 |
| Noninterest income | 86,000 | 165,000 | 240,000 | 327,000 |
| Noninterest expense | 827,000 | 1,494,000 | 2,180,000 | 2,937,000 |
| Provision for loan losses | 19,000 | 37,000 | 56,000 | 75,000 |
| Pretax income | 620,000 | 1,507,000 | 2,396,000 | 3,097,000 |
| Income tax | 31,000 | 75,000 | 120,000 | 155,000 |
| Net income | 589,000 | 1,432,000 | 2,276,000 | 2,942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,902,000 | 27,764,000 | 28,119,000 | 28,296,000 |