Call reports 2014
UNITED BANK & TRUST CO. — 2014
What UNITED BANK & TRUST CO. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 112,233,000 | 110,533,000 | 108,315,000 | 106,999,000 |
| Total loans | 56,201,000 | 53,000,000 | 55,409,000 | 53,930,000 |
| Allowance for loan losses | 871,000 | 770,000 | 755,000 | 756,000 |
| Securities available for sale | 46,022,000 | 48,330,000 | 42,389,000 | 43,078,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,427,000 | 92,358,000 | 91,002,000 | 90,294,000 |
| Interest-bearing deposits | 85,994,000 | 82,229,000 | 82,003,000 | 79,108,000 |
| Noninterest-bearing deposits | 9,433,000 | 10,129,000 | 9,000,000 | 11,186,000 |
| Equity capital | 13,440,000 | 13,795,000 | 13,934,000 | 13,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 965,000 | 1,927,000 | 2,876,000 | 3,813,000 |
| Interest expense | 142,000 | 282,000 | 398,000 | 515,000 |
| Net interest income | 823,000 | 1,645,000 | 2,478,000 | 3,298,000 |
| Noninterest income | 131,000 | 301,000 | 511,000 | 484,000 |
| Noninterest expense | 556,000 | 1,174,000 | 1,786,000 | 2,426,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 467,000 | 841,000 | 1,262,000 | 1,415,000 |
| Income tax | 108,000 | 191,000 | 298,000 | 305,000 |
| Net income | 359,000 | 650,000 | 964,000 | 1,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,011,000 | 13,151,000 | 13,316,000 | 13,313,000 |
| Total capital | 13,889,000 | 13,941,000 | 14,091,000 | 14,089,000 |
| Risk-weighted assets | 71,491,000 | 68,587,000 | 67,887,000 | 66,183,000 |