Call reports 2022
UNITED BANK & TRUST CO. — 2022
What UNITED BANK & TRUST CO. reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 126,532,000 | 133,620,000 | 126,972,000 | 129,859,000 |
| Total loans | 65,732,000 | 65,826,000 | 68,644,000 | 69,887,000 |
| Allowance for loan losses | 1,063,000 | 1,064,000 | 1,091,000 | 930,000 |
| Securities available for sale | 45,491,000 | 44,909,000 | 44,122,000 | 43,828,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,446,000 | 123,406,000 | 117,350,000 | 120,091,000 |
| Interest-bearing deposits | 93,030,000 | 99,494,000 | 96,095,000 | 98,943,000 |
| Noninterest-bearing deposits | 22,416,000 | 23,912,000 | 21,255,000 | 21,148,000 |
| Equity capital | 9,891,000 | 9,025,000 | 8,159,000 | 8,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 824,000 | 1,673,000 | 2,685,000 | 3,701,000 |
| Interest expense | 63,000 | 122,000 | 200,000 | 321,000 |
| Net interest income | 761,000 | 1,551,000 | 2,485,000 | 3,380,000 |
| Noninterest income | 175,000 | 322,000 | 542,000 | 712,000 |
| Noninterest expense | 620,000 | 1,294,000 | 1,905,000 | 2,599,000 |
| Provision for loan losses | 0 | 0 | 25,000 | -137,000 |
| Pretax income | 316,000 | 579,000 | 1,097,000 | 1,630,000 |
| Income tax | 66,000 | 160,000 | 273,000 | 396,000 |
| Net income | 250,000 | 419,000 | 824,000 | 1,234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,144,000 | 11,162,000 | 11,418,000 | 11,677,000 |
| Total capital | 12,137,000 | 12,170,000 | 12,450,000 | 12,633,000 |
| Risk-weighted assets | 79,312,000 | 80,513,000 | 82,500,000 | 83,415,000 |