Call reports 2014
UNITED BANK & TRUST COMPANY — 2014
What UNITED BANK & TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 532,567,000 | 523,416,000 | 516,625,000 | 524,293,000 |
| Total loans | 304,768,000 | 288,866,000 | 279,095,000 | 276,609,000 |
| Allowance for loan losses | 9,129,000 | 8,102,000 | 7,244,000 | 6,501,000 |
| Securities available for sale | 162,433,000 | 171,145,000 | 177,145,000 | 179,870,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 402,636,000 | 392,461,000 | 382,329,000 | 390,052,000 |
| Interest-bearing deposits | 312,727,000 | 302,100,000 | 292,312,000 | 295,685,000 |
| Noninterest-bearing deposits | 89,909,000 | 90,361,000 | 90,017,000 | 94,367,000 |
| Equity capital | 59,514,000 | 61,967,000 | 62,252,000 | 63,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,880,000 | 9,772,000 | 14,487,000 | 19,149,000 |
| Interest expense | 833,000 | 1,632,000 | 2,408,000 | 3,160,000 |
| Net interest income | 4,047,000 | 8,140,000 | 12,079,000 | 15,989,000 |
| Noninterest income | 512,000 | 1,275,000 | 1,195,000 | 1,805,000 |
| Noninterest expense | 4,204,000 | 8,329,000 | 12,543,000 | 16,658,000 |
| Provision for loan losses | 364,000 | -519,000 | -2,062,000 | -2,761,000 |
| Pretax income | -9,000 | 1,520,000 | 2,709,000 | 3,813,000 |
| Income tax | -33,000 | 451,000 | 811,000 | 1,196,000 |
| Net income | 24,000 | 1,069,000 | 1,898,000 | 2,617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,863,000 | 53,796,000 | 55,469,000 | 57,691,000 |
| Total capital | 56,152,000 | 58,005,000 | 59,505,000 | 61,728,000 |
| Risk-weighted assets | 338,293,000 | 332,843,000 | 319,632,000 | 320,495,000 |