Vitals
  • Total Assets
    473.2M -8.0 %
  • Total Deposits
    390.0M 3.2 %
  • Total Net Loans
    318.8M 7.1 %
  • Net Income
    2.3M -40.3 %
  • Book Value
    57.6M -13.6 %
  • Book Value x2
    115.2M -13.6 %
  • Book Value x3
    172.8M -13.6 %
ROAA

.462

ROAE

3.611

Efficiency Ratio

91.192

Net Interest Margin

3.486

Balance Sheet Highlights
Financial Highlights United Bank & Trust Company All Insured Commercial Banks in Kentucky
Balance Sheet $(000)
Total Assets 473,178 275,102
Total Net Loans 318,789 177,820
Total Deposits 390,043 227,063
Total Equity 57,615 30,287
Profitability
Net Income 2,308 2,592
Return on Average Assets .462 .944
Return on Average Equity 3.611 8.074
Net Interest Margin 3.486 3.847
Efficiency Ratio 91.192 70.925
Noninterest Income/Revenue 13.178 17.219
Balance Sheet Ratios
Loan-to-Deposit 81.732 76.952
Securities/Assets .21 .219
Total Equity/Total Assets .122 .11
Tangible Equity/Tangible Assets .121 .107
Capital Adequacy
Tier 1 Common Capital 58,179 29,354
Tier 1 Capital 58,179 29,354
Tier 2 Capital 3,500 2,092
Total Capital 61,679 31,454
Total Risk Weighted Assets 374,411 190,479
Leverage Ratio 12.38 11.285
Common Equity Tier 1 Capital Ratio 15.54 17.115
Tier 1 Capital Ratio 15.54 17.115
Total Capital Ratio 16.47 18.174

Timeline for United Bank & Trust Company

The Farmers Bank And Trust Company Of Georgetown, Kentucky

Acquisition: United Bank & Trust Company acquired a new subsidiary, The Farmers Bank And Trust Company Of Georgetown, Kentucky, 15 years

View Profile Nov 01 2008

Citizens Bank Of Jessamine County

Acquisition: United Bank & Trust Company acquired a new subsidiary, Citizens Bank Of Jessamine County, 15 years

View Profile Nov 01 2008

Egt Properties, Inc.

Egt Properties, Inc. became a new subsidiary organization for United Bank & Trust Company.

View Profile Nov 01 2008

Ev Properties, Inc.

Ev Properties, Inc. became a new subsidiary organization for United Bank & Trust Company.

View Profile Jun 29 2004

Farmers Capital Bank Corporation

Farmers Capital Bank Corporation became a new parent organization for United Bank & Trust Company.

View Profile Feb 15 1985

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Complete timeline for United Bank & Trust Company is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The Farmers Bank And Trust Company Of Georgetown, Kentucky Seller 347,923 Pooling of Interests Discontinued 11/1/2008
Citizens Bank Of Jessamine County Seller 219,100 Pooling of Interests Discontinued 11/1/2008
Relationships Role Relationship Start Relationship End
Farmers Capital Bank Corporation Parent 12/31/1989
Farmers Capital Bank Corporation Parent 2/15/1985 12/30/1989
Egt Properties, Inc. Subsidary 11/1/2008
Ev Properties, Inc. Subsidary 6/29/2004 12/31/2008
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