# UNITED BANK&CAPITAL TRUST CO
FRANKFORT, KY · FDIC certificate 15437 · asset band $1-10B · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.59B | |
| Deposits | $1.36B | |
| Loans and leases | $1.06B | |
| Total equity | $163.7M | |
| Loans / deposits | 77.48% (p23 of band) | 90.60% |
| Liquid assets / assets | 27.38% (p73 of band) | |
| Uninsured deposits / deposits | 28.53% (p58 of band) | 26.16% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.32% (p22 of band) | |
| FHLB advances / assets | 0.21% | |
| Tier 1 leverage | 10.65% (p64 of band) | 10.10% |
| Unrealized securities loss / equity | -6.75% (p15 of band) | -2.78% |
| AOCI / equity | -3.17% (p14 of band) | |
| ROA (annualized) | 1.48% (p76 of band) | 1.18% |
| Net interest margin | 3.96% (p73 of band) | 3.62% |
| Efficiency ratio | 65.28% (p62 of band) | |
| Noncurrent loans | 0.39% (p41 of band) | 0.46% |
| Net charge-offs (annualized) | -0.04% (p7 of band) | |
| Reserve coverage of noncurrent | 243.81% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 78.32% (p83 of band) | |
| Auto loans | $866,000 (0.08% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $12.1M (7% of equity) (p90 of band) | |
| Deposits YoY | -1.2% | |
| Employees | 419 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, losing money, reserve under noncurrent |  |
| 2011-06 | 2 |  | losing money |
| 2011-09 | 1 |  | wholesale funding >15% |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | assets shrinking |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | assets shrinking |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | assets shrinking |  |
| 2013-06 | 1 |  | reserve under noncurrent |
| 2013-09 | 0 |  | assets shrinking |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | assets shrinking |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 0 |  | reserve under noncurrent, assets shrinking |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15437 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/13.json (key "15437", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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