Call reports 2016
UNITED BANK & TRUST — 2016
What UNITED BANK & TRUST 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 | 588,590,000 | 590,394,000 | 581,618,000 | 602,564,000 |
| Total loans | 424,868,000 | 431,736,000 | 433,531,000 | 417,750,000 |
| Allowance for loan losses | 6,533,000 | 6,643,000 | 6,693,000 | 6,286,000 |
| Securities available for sale | 109,954,000 | 105,632,000 | 100,832,000 | 120,738,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 433,766,000 | 427,496,000 | 421,527,000 | 446,052,000 |
| Interest-bearing deposits | 419,505,000 | 414,064,000 | 406,906,000 | 429,697,000 |
| Noninterest-bearing deposits | 14,261,000 | 13,432,000 | 14,621,000 | 16,355,000 |
| Equity capital | 67,457,000 | 68,773,000 | 69,616,000 | 69,159,000 |
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 | 5,677,000 | 11,523,000 | 17,282,000 | 22,838,000 |
| Interest expense | 736,000 | 1,461,000 | 2,172,000 | 2,871,000 |
| Net interest income | 4,941,000 | 10,062,000 | 15,110,000 | 19,967,000 |
| Noninterest income | 559,000 | 1,148,000 | 1,739,000 | 2,315,000 |
| Noninterest expense | 2,931,000 | 5,784,000 | 8,766,000 | 11,776,000 |
| Provision for loan losses | 45,000 | 122,000 | 198,000 | 274,000 |
| Pretax income | 2,708,000 | 5,515,000 | 8,189,000 | 10,536,000 |
| Income tax | 928,000 | 1,821,000 | 2,667,000 | 3,364,000 |
| Net income | 1,780,000 | 3,694,000 | 5,522,000 | 7,172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,775,000 | 61,002,000 | 62,144,000 | 63,116,000 |
| Total capital | 65,594,000 | 66,902,000 | 68,025,000 | 68,882,000 |
| Risk-weighted assets | 464,833,000 | 471,222,000 | 469,658,000 | 460,736,000 |