Call reports 2019
UNITED BANK & TRUST — 2019
What UNITED BANK & TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 619,191,000 | 605,420,000 | 608,848,000 | 628,754,000 |
| Total loans | 457,748,000 | 460,035,000 | 459,748,000 | 457,681,000 |
| Allowance for loan losses | 7,013,000 | 7,090,000 | 7,171,000 | 7,256,000 |
| Securities available for sale | 80,519,000 | 83,208,000 | 85,752,000 | 83,415,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 471,337,000 | 458,945,000 | 460,085,000 | 482,190,000 |
| Interest-bearing deposits | 453,639,000 | 441,310,000 | 442,956,000 | 459,258,000 |
| Noninterest-bearing deposits | 17,698,000 | 17,635,000 | 17,129,000 | 22,932,000 |
| Equity capital | 75,948,000 | 77,075,000 | 78,026,000 | 78,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 6,376,000 | 12,916,000 | 19,508,000 | 26,086,000 |
| Interest expense | 1,318,000 | 2,670,000 | 4,056,000 | 5,414,000 |
| Net interest income | 5,058,000 | 10,246,000 | 15,452,000 | 20,672,000 |
| Noninterest income | 511,000 | 1,075,000 | 1,831,000 | 2,403,000 |
| Noninterest expense | 3,042,000 | 6,042,000 | 9,047,000 | 12,116,000 |
| Provision for loan losses | 89,000 | 168,000 | 247,000 | 322,000 |
| Pretax income | 2,440,000 | 5,116,000 | 7,997,000 | 10,648,000 |
| Income tax | 538,000 | 1,135,000 | 1,742,000 | 2,216,000 |
| Net income | 1,902,000 | 3,981,000 | 6,255,000 | 8,432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,167,000 | 70,748,000 | 71,524,000 | 72,292,000 |
| Total capital | 76,290,000 | 76,897,000 | 77,690,000 | 78,510,000 |
| Risk-weighted assets | 488,949,000 | 490,903,000 | 492,310,000 | 496,430,000 |