Call reports 2013
UNITED BANK & TRUST CO. — 2013
What UNITED BANK & TRUST CO. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 105,874,000 | 104,755,000 | 107,868,000 | 111,450,000 |
| Total loans | 50,768,000 | 49,800,000 | 53,463,000 | 56,207,000 |
| Allowance for loan losses | 865,000 | 866,000 | 868,000 | 870,000 |
| Securities available for sale | 44,280,000 | 42,502,000 | 44,532,000 | 43,738,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,843,000 | 88,609,000 | 88,308,000 | 95,200,000 |
| Interest-bearing deposits | 81,208,000 | 78,533,000 | 78,933,000 | 85,681,000 |
| Noninterest-bearing deposits | 8,636,000 | 10,075,000 | 9,375,000 | 9,520,000 |
| Equity capital | 13,410,000 | 12,713,000 | 13,104,000 | 13,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 902,000 | 1,808,000 | 2,809,000 | 3,765,000 |
| Interest expense | 143,000 | 283,000 | 417,000 | 566,000 |
| Net interest income | 759,000 | 1,525,000 | 2,392,000 | 3,199,000 |
| Noninterest income | 203,000 | 411,000 | 619,000 | 851,000 |
| Noninterest expense | 589,000 | 1,323,000 | 1,945,000 | 2,623,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 373,000 | 613,000 | 1,117,000 | 1,428,000 |
| Income tax | 83,000 | 119,000 | 254,000 | 325,000 |
| Net income | 290,000 | 494,000 | 863,000 | 1,103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,439,000 | 12,493,000 | 12,712,000 | 12,802,000 |
| Total capital | 13,227,000 | 13,304,000 | 13,557,000 | 13,677,000 |
| Risk-weighted assets | 63,624,000 | 64,821,000 | 67,540,000 | 69,961,000 |