Call reports 2023
UNITED BANK & TRUST — 2023
What UNITED BANK & TRUST reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 840,913,000 | 835,492,000 | 854,412,000 | 875,290,000 |
| Total loans | 591,462,000 | 600,465,000 | 620,425,000 | 631,752,000 |
| Allowance for loan losses | 6,831,000 | 7,015,000 | 7,188,000 | 7,341,000 |
| Securities available for sale | 183,139,000 | 171,467,000 | 169,152,000 | 173,676,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 647,284,000 | 631,903,000 | 628,286,000 | 665,139,000 |
| Interest-bearing deposits | 511,006,000 | 506,391,000 | 502,173,000 | 534,551,000 |
| Noninterest-bearing deposits | 136,278,000 | 125,512,000 | 126,113,000 | 130,588,000 |
| Equity capital | 80,610,000 | 80,433,000 | 79,977,000 | 85,563,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 8,008,000 | 16,594,000 | 25,775,000 | 35,582,000 |
| Interest expense | 1,580,000 | 3,935,000 | 6,794,000 | 10,227,000 |
| Net interest income | 6,428,000 | 12,659,000 | 18,981,000 | 25,355,000 |
| Noninterest income | 543,000 | 1,171,000 | 1,763,000 | 2,339,000 |
| Noninterest expense | 3,833,000 | 7,785,000 | 11,763,000 | 15,864,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 2,990,000 | 5,749,000 | 8,537,000 | 11,237,000 |
| Income tax | 670,000 | 1,281,000 | 1,877,000 | 2,471,000 |
| Net income | 2,320,000 | 4,468,000 | 6,660,000 | 8,766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,288,000 | 87,999,000 | 88,747,000 | 90,410,000 |