Call reports 2013
UNITED BANK & TRUST COMPANY — 2013
What UNITED BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 538,213,000 | 537,986,000 | 536,760,000 | 540,200,000 |
| Total loans | 306,210,000 | 307,024,000 | 308,331,000 | 309,106,000 |
| Allowance for loan losses | 11,299,000 | 11,475,000 | 10,646,000 | 9,752,000 |
| Securities available for sale | 158,168,000 | 158,043,000 | 157,027,000 | 162,662,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 404,099,000 | 408,364,000 | 403,971,000 | 411,019,000 |
| Interest-bearing deposits | 318,806,000 | 324,839,000 | 318,721,000 | 315,977,000 |
| Noninterest-bearing deposits | 85,293,000 | 83,525,000 | 85,250,000 | 95,042,000 |
| Equity capital | 60,476,000 | 57,451,000 | 58,192,000 | 58,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,970,000 | 9,814,000 | 14,687,000 | 19,663,000 |
| Interest expense | 994,000 | 1,919,000 | 2,810,000 | 3,675,000 |
| Net interest income | 3,976,000 | 7,895,000 | 11,877,000 | 15,988,000 |
| Noninterest income | 661,000 | 982,000 | 997,000 | 1,572,000 |
| Noninterest expense | 4,380,000 | 8,868,000 | 13,055,000 | 17,385,000 |
| Provision for loan losses | -175,000 | 58,000 | -383,000 | -1,076,000 |
| Pretax income | 432,000 | -48,000 | 204,000 | 1,254,000 |
| Income tax | 116,000 | -106,000 | -79,000 | 225,000 |
| Net income | 316,000 | 58,000 | 283,000 | 1,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,902,000 | 50,648,000 | 51,097,000 | 51,336,000 |
| Total capital | 56,248,000 | 54,987,000 | 55,413,000 | 55,664,000 |
| Risk-weighted assets | 340,753,000 | 339,954,000 | 338,929,000 | 340,839,000 |