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 | 541,766,000 | 542,745,000 | 543,078,000 | 559,788,000 |
| Total loans | 342,779,000 | 349,724,000 | 357,646,000 | 365,655,000 |
| Allowance for loan losses | 5,342,000 | 5,417,000 | 5,554,000 | 5,618,000 |
| Securities available for sale | 131,308,000 | 136,811,000 | 132,835,000 | 127,893,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 411,952,000 | 403,176,000 | 391,180,000 | 409,113,000 |
| Interest-bearing deposits | 399,777,000 | 389,912,000 | 376,369,000 | 392,274,000 |
| Noninterest-bearing deposits | 12,175,000 | 13,264,000 | 14,811,000 | 16,839,000 |
| Equity capital | 65,190,000 | 63,928,000 | 62,934,000 | 63,561,000 |
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 | 5,074,000 | 10,298,000 | 15,892,000 | 21,207,000 |
| Interest expense | 988,000 | 1,987,000 | 2,902,000 | 3,716,000 |
| Net interest income | 4,086,000 | 8,311,000 | 12,990,000 | 17,491,000 |
| Noninterest income | 352,000 | 821,000 | 263,000 | 687,000 |
| Noninterest expense | 2,723,000 | 5,509,000 | 8,277,000 | 11,059,000 |
| Provision for loan losses | 106,000 | 142,000 | 250,000 | 286,000 |
| Pretax income | 1,575,000 | 3,452,000 | 4,672,000 | 6,776,000 |
| Income tax | 474,000 | 1,031,000 | 1,355,000 | 1,917,000 |
| Net income | 1,101,000 | 2,421,000 | 3,317,000 | 4,859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,954,000 | 56,675,000 | 56,972,000 | 57,663,000 |
| Total capital | 60,765,000 | 61,490,000 | 61,526,000 | 62,781,000 |
| Risk-weighted assets | 384,378,000 | 384,567,000 | 391,435,000 | 408,945,000 |