Call reports 2019
UNITED BANK & TRUST CO. — 2019
What UNITED BANK & TRUST CO. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 109,128,000 | 107,805,000 | 102,817,000 | 100,463,000 |
| Total loans | 57,523,000 | 56,756,000 | 60,930,000 | 58,451,000 |
| Allowance for loan losses | 789,000 | 790,000 | 792,000 | 799,000 |
| Securities available for sale | 44,146,000 | 38,807,000 | 33,989,000 | 33,015,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,864,000 | 90,516,000 | 82,082,000 | 84,377,000 |
| Interest-bearing deposits | 76,665,000 | 75,143,000 | 66,967,000 | 71,482,000 |
| Noninterest-bearing deposits | 14,198,000 | 15,372,000 | 15,115,000 | 12,895,000 |
| Equity capital | 14,133,000 | 14,348,000 | 14,356,000 | 10,331,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 974,000 | 1,937,000 | 2,885,000 | 3,823,000 |
| Interest expense | 222,000 | 451,000 | 653,000 | 837,000 |
| Net interest income | 752,000 | 1,486,000 | 2,232,000 | 2,986,000 |
| Noninterest income | 113,000 | 254,000 | 430,000 | 600,000 |
| Noninterest expense | 554,000 | 1,130,000 | 1,786,000 | 2,461,000 |
| Provision for loan losses | 0 | 0 | 0 | 4,000 |
| Pretax income | 311,000 | 610,000 | 891,000 | 1,136,000 |
| Income tax | 52,000 | 104,000 | 160,000 | 205,000 |
| Net income | 259,000 | 506,000 | 731,000 | 931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,983,000 | 13,979,000 | 13,956,000 | 9,955,000 |
| Total capital | 14,801,000 | 14,798,000 | 14,777,000 | 10,775,000 |
| Risk-weighted assets | 79,363,000 | 78,627,000 | 78,391,000 | 75,335,000 |