Call reports 2015
UNITED BANK & TRUST CO. — 2015
What UNITED BANK & TRUST CO. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 110,020,000 | 109,502,000 | 111,413,000 | 112,537,000 |
| Total loans | 54,206,000 | 48,985,000 | 55,579,000 | 52,681,000 |
| Allowance for loan losses | 756,000 | 741,000 | 742,000 | 744,000 |
| Securities available for sale | 44,798,000 | 46,976,000 | 45,674,000 | 50,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,863,000 | 92,672,000 | 88,479,000 | 93,068,000 |
| Interest-bearing deposits | 82,478,000 | 80,894,000 | 77,684,000 | 81,639,000 |
| Noninterest-bearing deposits | 10,386,000 | 11,778,000 | 10,796,000 | 11,429,000 |
| Equity capital | 14,174,000 | 13,952,000 | 14,263,000 | 14,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 929,000 | 1,844,000 | 2,731,000 | 3,651,000 |
| Interest expense | 110,000 | 221,000 | 327,000 | 440,000 |
| Net interest income | 819,000 | 1,623,000 | 2,404,000 | 3,211,000 |
| Noninterest income | 178,000 | 309,000 | 577,000 | 797,000 |
| Noninterest expense | 622,000 | 1,224,000 | 1,789,000 | 2,446,000 |
| Provision for loan losses | 0 | -15,000 | -15,000 | -15,000 |
| Pretax income | 375,000 | 803,000 | 1,330,000 | 1,700,000 |
| Income tax | 87,000 | 188,000 | 324,000 | 405,000 |
| Net income | 288,000 | 615,000 | 1,006,000 | 1,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,451,000 | 13,578,000 | 13,768,000 | 13,858,000 |
| Total capital | 14,227,000 | 14,339,000 | 14,531,000 | 14,621,000 |
| Risk-weighted assets | 68,853,000 | 67,000,000 | 71,404,000 | 71,157,000 |