Call reports 2014
UNITED BANK & TRUST — 2014
What UNITED BANK & TRUST 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 | 569,562,000 | 568,531,000 | 573,286,000 | 589,881,000 |
| Total loans | 362,528,000 | 377,186,000 | 390,511,000 | 392,831,000 |
| Allowance for loan losses | 5,685,000 | 5,785,000 | 5,896,000 | 5,998,000 |
| Securities available for sale | 141,532,000 | 137,744,000 | 135,420,000 | 135,706,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 416,868,000 | 411,256,000 | 404,392,000 | 429,520,000 |
| Interest-bearing deposits | 403,578,000 | 396,639,000 | 390,155,000 | 412,763,000 |
| Noninterest-bearing deposits | 13,290,000 | 14,617,000 | 14,237,000 | 16,757,000 |
| Equity capital | 64,545,000 | 65,921,000 | 66,620,000 | 68,165,000 |
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 | 5,254,000 | 10,658,000 | 16,223,000 | 21,856,000 |
| Interest expense | 780,000 | 1,544,000 | 2,301,000 | 3,049,000 |
| Net interest income | 4,474,000 | 9,114,000 | 13,922,000 | 18,807,000 |
| Noninterest income | 77,000 | 601,000 | 1,166,000 | 1,433,000 |
| Noninterest expense | 2,677,000 | 5,414,000 | 8,185,000 | 10,907,000 |
| Provision for loan losses | 52,000 | 103,000 | 169,000 | 255,000 |
| Pretax income | 1,809,000 | 4,203,000 | 6,739,000 | 9,083,000 |
| Income tax | 548,000 | 1,286,000 | 2,055,000 | 2,573,000 |
| Net income | 1,261,000 | 2,917,000 | 4,684,000 | 6,510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,119,000 | 58,940,000 | 59,874,000 | 60,867,000 |
| Total capital | 63,203,000 | 64,191,000 | 65,274,000 | 66,360,000 |
| Risk-weighted assets | 406,118,000 | 419,576,000 | 431,520,000 | 438,921,000 |