Call reports 2025
UNITED BANK AND TRUST COMPANY — 2025
What UNITED BANK AND TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 212,901,000 | 215,788,000 | 219,809,000 | 227,243,000 |
| Total loans | 114,305,000 | 115,137,000 | 117,187,000 | 119,656,000 |
| Allowance for loan losses | 1,690,000 | 1,694,000 | 1,700,000 | 1,712,000 |
| Securities available for sale | 62,897,000 | 63,968,000 | 65,376,000 | 66,773,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,697,000 | 189,284,000 | 191,295,000 | 199,622,000 |
| Interest-bearing deposits | 154,322,000 | 156,478,000 | 157,848,000 | 167,016,000 |
| Noninterest-bearing deposits | 33,375,000 | 32,806,000 | 33,447,000 | 32,606,000 |
| Equity capital | 22,667,000 | 23,974,000 | 25,981,000 | 27,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,356,000 | 4,863,000 | 7,431,000 | 10,138,000 |
| Interest expense | 885,000 | 1,772,000 | 2,669,000 | 3,596,000 |
| Net interest income | 1,471,000 | 3,091,000 | 4,762,000 | 6,542,000 |
| Noninterest income | 94,000 | 170,000 | 252,000 | 341,000 |
| Noninterest expense | 837,000 | 1,551,000 | 2,255,000 | 3,021,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 716,000 | 1,686,000 | 2,723,000 | 3,814,000 |
| Income tax | 29,000 | 69,000 | 112,000 | 156,000 |
| Net income | 687,000 | 1,617,000 | 2,611,000 | 3,658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,911,000 | 31,415,000 | 31,984,000 | 32,511,000 |