Lloyd C. Hillard, Jr.

President and CEO



The new United Bank & Capital Trust Company, which consolidated our bank affiliates and operations, has been the new reality for six months. We are pleased with our progress, but not satisfied; we can … and will accomplish more.

The consolidation allowed us to restructure our processes and departments, putting an emphasis on increased risk management, and streamlining our lending processes to provide better service to both our commercial and consumer customers. We’ve consolidated functions corporately so that our employees can focus on their specific departmental duties with minimum distractions. We’ve implemented a Customer Care Center, the first impression for many prospects who contact the bank and for customers who have specific questions or needs.

All of these improvements allow us to strengthen our Company’s bottom line. We continue to show improvement in our nonperforming assets by declining 7.6% in the second quarter of 2017. Our second quarter 2017 net income is up 26.0% compared to the second quarter of 2016. We have announced common dividends four times since October 2016.

The consolidation into United Bank & Capital Trust Company is working. Customers are finding that our employees are still the same caring and professional people that have always served them, while enjoying the added bonus of more branches and more services. Improving our service to our communities, our customers and our shareholders is our Number One goal.