Call reports 2025
UNITED BANK & TRUST CO. — 2025
What UNITED BANK & TRUST CO. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 124,232,000 | 121,317,000 | 119,893,000 | 122,915,000 |
| Total loans | 74,669,000 | 73,248,000 | 71,015,000 | 69,217,000 |
| Allowance for loan losses | 993,000 | 977,000 | 943,000 | 915,000 |
| Securities available for sale | 34,276,000 | 32,649,000 | 37,097,000 | 36,699,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,676,000 | 107,311,000 | 105,666,000 | 109,002,000 |
| Interest-bearing deposits | 95,501,000 | 92,088,000 | 89,294,000 | 90,533,000 |
| Noninterest-bearing deposits | 15,175,000 | 15,223,000 | 16,372,000 | 18,469,000 |
| Equity capital | 10,948,000 | 11,326,000 | 11,678,000 | 11,921,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,312,000 | 2,675,000 | 4,020,000 | 5,369,000 |
| Interest expense | 408,000 | 807,000 | 1,190,000 | 1,547,000 |
| Net interest income | 904,000 | 1,868,000 | 2,830,000 | 3,822,000 |
| Noninterest income | 168,000 | 355,000 | 555,000 | 779,000 |
| Noninterest expense | 664,000 | 1,341,000 | 1,992,000 | 2,694,000 |
| Provision for loan losses | 22,000 | 6,000 | -28,000 | -56,000 |
| Pretax income | 389,000 | 876,000 | 1,418,000 | 1,951,000 |
| Income tax | 88,000 | 199,000 | 324,000 | 447,000 |
| Net income | 301,000 | 677,000 | 1,094,000 | 1,504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,149,000 | 12,277,000 | 12,414,000 | 12,496,000 |
| Total capital | 13,172,000 | 13,286,000 | 13,386,000 | 13,459,000 |
| Risk-weighted assets | 81,874,000 | 80,710,000 | 77,732,000 | 77,799,000 |