Call reports 2016
UNITED BANK & TRUST COMPANY — 2016
What UNITED BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 520,954,000 | 510,857,000 | 466,588,000 | 473,178,000 |
| Total loans | 306,266,000 | 305,568,000 | 306,258,000 | 322,289,000 |
| Allowance for loan losses | 3,501,000 | 3,499,000 | 3,433,000 | 3,500,000 |
| Securities available for sale | 151,498,000 | 151,463,000 | 96,976,000 | 99,362,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 381,720,000 | 376,710,000 | 376,305,000 | 390,043,000 |
| Interest-bearing deposits | 277,098,000 | 273,209,000 | 268,033,000 | 277,117,000 |
| Noninterest-bearing deposits | 104,622,000 | 103,501,000 | 108,272,000 | 112,926,000 |
| Equity capital | 68,076,000 | 64,083,000 | 63,094,000 | 57,615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,610,000 | 9,205,000 | 13,717,000 | 18,211,000 |
| Interest expense | 670,000 | 1,322,000 | 1,895,000 | 2,087,000 |
| Net interest income | 3,940,000 | 7,883,000 | 11,822,000 | 16,124,000 |
| Noninterest income | 568,000 | 1,391,000 | 2,039,000 | 2,785,000 |
| Noninterest expense | 3,898,000 | 7,760,000 | 13,276,000 | 17,369,000 |
| Provision for loan losses | -74,000 | -65,000 | -100,000 | 1,000 |
| Pretax income | 691,000 | 1,631,000 | 2,437,000 | 3,293,000 |
| Income tax | 203,000 | 482,000 | 729,000 | 985,000 |
| Net income | 488,000 | 1,149,000 | 1,708,000 | 2,308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,352,000 | 62,015,000 | 62,577,000 | 58,179,000 |
| Total capital | 69,853,000 | 65,514,000 | 66,010,000 | 61,679,000 |
| Risk-weighted assets | 359,995,000 | 359,890,000 | 356,698,000 | 374,411,000 |