Call reports 2013
UNITED BANK & TRUST — 2013
What UNITED BANK & TRUST 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 | 926,673,000 | 906,862,000 | 918,184,000 | 898,383,000 |
| Total loans | 609,751,000 | 625,996,000 | 651,539,000 | 650,534,000 |
| Allowance for loan losses | 22,158,000 | 22,000,000 | 21,963,000 | 20,447,000 |
| Securities available for sale | 203,224,000 | 195,113,000 | 204,800,000 | 191,130,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 810,026,000 | 800,206,000 | 812,160,000 | 794,207,000 |
| Interest-bearing deposits | 651,720,000 | 628,381,000 | 645,515,000 | 623,262,000 |
| Noninterest-bearing deposits | 158,306,000 | 171,825,000 | 166,645,000 | 170,945,000 |
| Equity capital | 92,133,000 | 89,867,000 | 89,740,000 | 88,036,000 |
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 | 8,174,000 | 16,783,000 | 25,473,000 | 34,593,000 |
| Interest expense | 874,000 | 1,643,000 | 2,333,000 | 2,925,000 |
| Net interest income | 7,300,000 | 15,140,000 | 23,140,000 | 31,668,000 |
| Noninterest income | 5,809,000 | 11,434,000 | 16,464,000 | 21,049,000 |
| Noninterest expense | 9,291,000 | 18,989,000 | 28,342,000 | 37,429,000 |
| Provision for loan losses | 1,000,000 | 1,600,000 | 1,900,000 | 1,900,000 |
| Pretax income | 2,846,000 | 6,024,000 | 9,402,000 | 13,442,000 |
| Income tax | 825,000 | 1,796,000 | 2,823,000 | 4,079,000 |
| Net income | 2,021,000 | 4,228,000 | 6,579,000 | 9,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,739,000 | 88,061,000 | 88,528,000 | 88,937,000 |
| Total capital | 95,531,000 | 96,167,000 | 96,849,000 | 97,282,000 |
| Risk-weighted assets | 608,968,000 | 634,581,000 | 652,068,000 | 655,468,000 |
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