Call reports 2018
UNITED BANK & TRUST — 2018
What UNITED BANK & TRUST reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 584,452,000 | 597,417,000 | 606,592,000 | 627,476,000 |
| Total loans | 436,450,000 | 450,015,000 | 458,417,000 | 455,544,000 |
| Allowance for loan losses | 6,719,000 | 6,799,000 | 6,873,000 | 6,928,000 |
| Securities available for sale | 95,040,000 | 90,603,000 | 87,017,000 | 86,527,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 443,760,000 | 465,169,000 | 460,539,000 | 483,429,000 |
| Interest-bearing deposits | 426,645,000 | 444,077,000 | 442,255,000 | 462,672,000 |
| Noninterest-bearing deposits | 17,115,000 | 21,092,000 | 18,284,000 | 20,757,000 |
| Equity capital | 72,459,000 | 72,774,000 | 73,184,000 | 74,970,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,660,000 | 11,669,000 | 17,893,000 | 24,278,000 |
| Interest expense | 760,000 | 1,649,000 | 2,721,000 | 4,002,000 |
| Net interest income | 4,900,000 | 10,020,000 | 15,172,000 | 20,276,000 |
| Noninterest income | 532,000 | 1,085,000 | 1,632,000 | 1,891,000 |
| Noninterest expense | 2,973,000 | 5,988,000 | 9,027,000 | 12,007,000 |
| Provision for loan losses | 75,000 | 153,000 | 229,000 | 307,000 |
| Pretax income | 2,386,000 | 4,969,000 | 7,556,000 | 9,863,000 |
| Income tax | 526,000 | 1,076,000 | 1,603,000 | 2,036,000 |
| Net income | 1,860,000 | 3,893,000 | 5,953,000 | 7,827,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,273,000 | 67,816,000 | 68,382,000 | 69,763,000 |
| Total capital | 73,174,000 | 73,811,000 | 74,554,000 | 75,896,000 |
| Risk-weighted assets | 471,277,000 | 478,798,000 | 493,058,000 | 489,830,000 |