Call reports 2021
UNITED BANK & TRUST CO. — 2021
What UNITED BANK & TRUST CO. reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 122,706,000 | 120,305,000 | 120,031,000 | 126,394,000 |
| Total loans | 55,847,000 | 61,663,000 | 62,775,000 | 64,252,000 |
| Allowance for loan losses | 1,019,000 | 1,090,000 | 1,091,000 | 1,062,000 |
| Securities available for sale | 36,562,000 | 40,588,000 | 40,800,000 | 45,138,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,778,000 | 104,829,000 | 104,618,000 | 111,421,000 |
| Interest-bearing deposits | 86,035,000 | 85,765,000 | 84,404,000 | 87,858,000 |
| Noninterest-bearing deposits | 21,743,000 | 19,064,000 | 20,214,000 | 23,563,000 |
| Equity capital | 11,191,000 | 11,314,000 | 11,454,000 | 11,264,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 821,000 | 1,635,000 | 2,514,000 | 3,386,000 |
| Interest expense | 101,000 | 194,000 | 278,000 | 354,000 |
| Net interest income | 720,000 | 1,441,000 | 2,236,000 | 3,032,000 |
| Noninterest income | 335,000 | 616,000 | 906,000 | 1,230,000 |
| Noninterest expense | 624,000 | 1,317,000 | 1,915,000 | 2,666,000 |
| Provision for loan losses | 0 | 68,000 | 68,000 | 38,000 |
| Pretax income | 431,000 | 672,000 | 1,159,000 | 1,558,000 |
| Income tax | 93,000 | 140,000 | 244,000 | 329,000 |
| Net income | 338,000 | 532,000 | 915,000 | 1,229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,727,000 | 10,720,000 | 10,927,000 | 11,042,000 |
| Total capital | — | — | 11,873,000 | 12,001,000 |
| Risk-weighted assets | — | — | 75,490,000 | 76,565,000 |