Call reports 2016
UNITED BANK & TRUST CO. — 2016
What UNITED BANK & TRUST CO. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 112,688,000 | 119,487,000 | 110,355,000 | 111,225,000 |
| Total loans | 54,400,000 | 57,269,000 | 58,326,000 | 55,774,000 |
| Allowance for loan losses | 744,000 | 746,000 | 747,000 | 779,000 |
| Securities available for sale | 49,281,000 | 48,610,000 | 44,494,000 | 46,195,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,474,000 | 91,556,000 | 90,856,000 | 93,534,000 |
| Interest-bearing deposits | 81,745,000 | 78,265,000 | 79,281,000 | 81,410,000 |
| Noninterest-bearing deposits | 11,728,000 | 13,292,000 | 11,575,000 | 12,124,000 |
| Equity capital | 14,630,000 | 15,001,000 | 14,961,000 | 14,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 917,000 | 1,851,000 | 2,804,000 | 3,740,000 |
| Interest expense | 116,000 | 228,000 | 341,000 | 457,000 |
| Net interest income | 801,000 | 1,623,000 | 2,463,000 | 3,283,000 |
| Noninterest income | 169,000 | 341,000 | 558,000 | 741,000 |
| Noninterest expense | 587,000 | 1,137,000 | 1,651,000 | 2,302,000 |
| Provision for loan losses | 0 | 0 | 0 | 43,000 |
| Pretax income | 386,000 | 830,000 | 1,408,000 | 1,717,000 |
| Income tax | 94,000 | 208,000 | 377,000 | 448,000 |
| Net income | 292,000 | 622,000 | 1,031,000 | 1,269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,950,000 | 14,080,000 | 14,163,000 | 14,078,000 |
| Total capital | 14,714,000 | 14,845,000 | 14,930,000 | 14,897,000 |
| Risk-weighted assets | 70,667,000 | 74,471,000 | 74,614,000 | 77,492,000 |