Call reports 2023
UNITED BANK AND TRUST COMPANY — 2023
What UNITED BANK AND TRUST COMPANY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 212,828,000 | 206,069,000 | 203,820,000 | 206,986,000 |
| Total loans | 108,374,000 | 108,808,000 | 111,948,000 | 112,929,000 |
| Allowance for loan losses | 1,577,000 | 1,591,000 | 1,607,000 | 1,622,000 |
| Securities available for sale | 77,416,000 | 72,370,000 | 67,421,000 | 72,064,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,853,000 | 185,288,000 | 184,206,000 | 182,765,000 |
| Interest-bearing deposits | 151,430,000 | 148,963,000 | 150,159,000 | 142,424,000 |
| Noninterest-bearing deposits | 39,424,000 | 36,325,000 | 34,047,000 | 40,341,000 |
| Equity capital | 20,761,000 | 19,517,000 | 17,329,000 | 21,891,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,871,000 | 3,825,000 | 5,859,000 | 8,009,000 |
| Interest expense | 362,000 | 846,000 | 1,449,000 | 2,142,000 |
| Net interest income | 1,509,000 | 2,979,000 | 4,410,000 | 5,867,000 |
| Noninterest income | 91,000 | 166,000 | 240,000 | 318,000 |
| Noninterest expense | 838,000 | 1,531,000 | 2,187,000 | 2,894,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 733,000 | 1,521,000 | 2,293,000 | 3,086,000 |
| Income tax | 33,000 | 70,000 | 106,000 | 143,000 |
| Net income | 700,000 | 1,451,000 | 2,187,000 | 2,943,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,996,000 | 28,767,000 | 29,127,000 | 29,414,000 |
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