Call reports 2015
UNITED BANK & TRUST — 2015
What UNITED BANK & TRUST 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 | 570,096,000 | 595,845,000 | 602,137,000 | 585,828,000 |
| Total loans | 391,901,000 | 408,283,000 | 420,943,000 | 423,537,000 |
| Allowance for loan losses | 6,111,000 | 6,278,000 | 6,365,000 | 6,448,000 |
| Securities available for sale | 132,696,000 | 142,436,000 | 134,826,000 | 108,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 414,812,000 | 418,377,000 | 422,536,000 | 434,393,000 |
| Interest-bearing deposits | 398,981,000 | 403,985,000 | 408,533,000 | 414,794,000 |
| Noninterest-bearing deposits | 15,831,000 | 14,392,000 | 14,003,000 | 19,599,000 |
| Equity capital | 69,661,000 | 69,873,000 | 70,856,000 | 65,879,000 |
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 | 5,430,000 | 11,015,000 | 16,726,000 | 22,434,000 |
| Interest expense | 724,000 | 1,455,000 | 2,208,000 | 2,946,000 |
| Net interest income | 4,706,000 | 9,560,000 | 14,518,000 | 19,488,000 |
| Noninterest income | 523,000 | 1,107,000 | 1,435,000 | 1,875,000 |
| Noninterest expense | 2,631,000 | 5,393,000 | 8,188,000 | 11,138,000 |
| Provision for loan losses | 60,000 | 105,000 | 151,000 | 197,000 |
| Pretax income | 2,538,000 | 5,169,000 | 7,700,000 | 10,160,000 |
| Income tax | 816,000 | 1,634,000 | 2,389,000 | 3,089,000 |
| Net income | 1,722,000 | 3,535,000 | 5,311,000 | 7,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,713,000 | 62,588,000 | 63,176,000 | 58,696,000 |
| Total capital | 67,171,000 | 68,271,000 | 69,010,000 | 64,504,000 |
| Risk-weighted assets | 436,005,000 | 454,074,000 | 466,216,000 | 464,053,000 |