Call reports 2018
UNITED BANK & TRUST CO. — 2018
What UNITED BANK & TRUST CO. reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 109,718,000 | 110,556,000 | 111,331,000 | 108,252,000 |
| Total loans | 54,630,000 | 56,011,000 | 56,826,000 | 54,875,000 |
| Allowance for loan losses | 783,000 | 784,000 | 786,000 | 787,000 |
| Securities available for sale | 46,205,000 | 46,217,000 | 46,163,000 | 44,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,214,000 | 93,996,000 | 94,330,000 | 91,686,000 |
| Interest-bearing deposits | 80,279,000 | 79,130,000 | 80,795,000 | 78,054,000 |
| Noninterest-bearing deposits | 12,936,000 | 14,866,000 | 13,536,000 | 13,632,000 |
| Equity capital | 13,920,000 | 13,832,000 | 13,741,000 | 13,780,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 874,000 | 1,785,000 | 2,738,000 | 3,684,000 |
| Interest expense | 135,000 | 305,000 | 504,000 | 717,000 |
| Net interest income | 739,000 | 1,480,000 | 2,234,000 | 2,967,000 |
| Noninterest income | 115,000 | 265,000 | 429,000 | 587,000 |
| Noninterest expense | 512,000 | 1,100,000 | 1,643,000 | 2,262,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 342,000 | 645,000 | 1,020,000 | 1,292,000 |
| Income tax | 58,000 | 107,000 | 173,000 | 210,000 |
| Net income | 284,000 | 538,000 | 847,000 | 1,082,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,121,000 | 14,082,000 | 14,140,000 | 13,974,000 |
| Total capital | 14,933,000 | 14,895,000 | 14,955,000 | 14,790,000 |
| Risk-weighted assets | 74,807,000 | 75,559,000 | 76,411,000 | 75,783,000 |