Call reports 2015
UNITED BANK & TRUST COMPANY — 2015
What UNITED BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 528,420,000 | 506,147,000 | 508,495,000 | 514,556,000 |
| Total loans | 270,077,000 | 275,372,000 | 282,947,000 | 301,151,000 |
| Allowance for loan losses | 5,352,000 | 4,525,000 | 3,956,000 | 3,594,000 |
| Securities available for sale | 189,417,000 | 177,268,000 | 167,724,000 | 152,112,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 393,914,000 | 372,441,000 | 372,503,000 | 378,010,000 |
| Interest-bearing deposits | 291,580,000 | 274,011,000 | 271,693,000 | 276,481,000 |
| Noninterest-bearing deposits | 102,334,000 | 98,430,000 | 100,810,000 | 101,529,000 |
| Equity capital | 65,178,000 | 65,530,000 | 66,606,000 | 66,716,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,590,000 | 9,756,000 | 14,136,000 | 18,731,000 |
| Interest expense | 709,000 | 1,395,000 | 2,085,000 | 2,769,000 |
| Net interest income | 3,881,000 | 8,361,000 | 12,051,000 | 15,962,000 |
| Noninterest income | 970,000 | 1,472,000 | 2,226,000 | 3,196,000 |
| Noninterest expense | 4,144,000 | 8,224,000 | 12,322,000 | 16,397,000 |
| Provision for loan losses | -1,150,000 | -1,989,000 | -2,525,000 | -2,927,000 |
| Pretax income | 1,857,000 | 3,621,000 | 4,504,000 | 5,712,000 |
| Income tax | 586,000 | 1,144,000 | 1,449,000 | 1,846,000 |
| Net income | 1,271,000 | 2,477,000 | 3,055,000 | 3,866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,125,000 | 64,379,000 | 65,004,000 | 65,862,000 |
| Total capital | 67,285,000 | 68,676,000 | 68,960,000 | 69,456,000 |
| Risk-weighted assets | 331,571,000 | 343,506,000 | 341,344,000 | 352,856,000 |