Call reports 2001
UNITED BANK & CAPITAL TRUST COMPANY — 2001
What UNITED BANK & CAPITAL TRUST COMPANY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 523,580,000 | 525,896,000 | 571,716,000 | 568,088,000 |
| Total loans | 274,514,000 | 266,618,000 | 265,828,000 | 262,281,000 |
| Allowance for loan losses | 4,117,000 | 4,002,000 | 4,029,000 | 3,941,000 |
| Securities available for sale | 92,310,000 | 97,963,000 | 131,008,000 | 194,219,000 |
| Securities held to maturity | 29,443,000 | 27,392,000 | 26,131,000 | 24,852,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,915,000 | 366,079,000 | 389,708,000 | 353,048,000 |
| Interest-bearing deposits | 277,791,000 | 263,446,000 | 281,748,000 | 282,712,000 |
| Noninterest-bearing deposits | 85,124,000 | 102,633,000 | 107,961,000 | 70,336,000 |
| Equity capital | 46,495,000 | 48,678,000 | 49,076,000 | 50,120,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 8,440,000 | 16,589,000 | 24,491,000 | 32,115,000 |
| Interest expense | 4,128,000 | 7,658,000 | 11,003,000 | 13,973,000 |
| Net interest income | 4,312,000 | 8,931,000 | 13,488,000 | 18,142,000 |
| Noninterest income | 1,237,000 | 2,741,000 | 3,993,000 | 5,575,000 |
| Noninterest expense | 2,931,000 | 5,898,000 | 8,966,000 | 12,128,000 |
| Provision for loan losses | 156,000 | 506,000 | 701,000 | 851,000 |
| Pretax income | 2,474,000 | 5,280,000 | 7,826,000 | 10,750,000 |
| Income tax | 583,000 | 1,241,000 | 1,846,000 | 2,518,000 |
| Net income | 1,891,000 | 4,039,000 | 5,980,000 | 8,232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,919,000 | 48,107,000 | 47,664,000 | 49,807,000 |
| Total capital | 49,633,000 | 52,055,000 | 51,442,000 | 53,539,000 |
| Risk-weighted assets | 296,712,000 | 315,655,000 | 301,970,000 | 298,321,000 |