Call reports 2002
UNITED BANK & CAPITAL TRUST COMPANY — 2002
What UNITED BANK & CAPITAL TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 538,210,000 | 619,650,000 | 618,659,000 | 596,628,000 |
| Total loans | 254,506,000 | 251,978,000 | 251,597,000 | 257,293,000 |
| Allowance for loan losses | 3,819,000 | 4,344,000 | 4,547,000 | 3,883,000 |
| Securities available for sale | 150,170,000 | 122,951,000 | 126,817,000 | 271,760,000 |
| Securities held to maturity | 22,161,000 | 20,608,000 | 19,301,000 | 18,875,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 357,655,000 | 381,046,000 | 429,286,000 | 365,605,000 |
| Interest-bearing deposits | 278,426,000 | 283,963,000 | 283,851,000 | 293,861,000 |
| Noninterest-bearing deposits | 79,229,000 | 97,083,000 | 145,435,000 | 71,744,000 |
| Equity capital | 51,642,000 | 53,558,000 | 53,125,000 | 52,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 6,959,000 | 13,467,000 | 19,887,000 | 26,109,000 |
| Interest expense | 2,591,000 | 4,987,000 | 7,276,000 | 9,428,000 |
| Net interest income | 4,368,000 | 8,480,000 | 12,611,000 | 16,681,000 |
| Noninterest income | 1,094,000 | 2,503,000 | 3,940,000 | 5,223,000 |
| Noninterest expense | 3,120,000 | 6,512,000 | 9,893,000 | 13,151,000 |
| Provision for loan losses | 34,000 | 665,000 | 985,000 | 2,135,000 |
| Pretax income | 2,795,000 | 4,296,000 | 6,599,000 | 7,544,000 |
| Income tax | 655,000 | 879,000 | 1,340,000 | 1,247,000 |
| Net income | 2,140,000 | 3,417,000 | 5,259,000 | 6,297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,985,000 | 53,297,000 | 51,261,000 | 51,012,000 |
| Total capital | 55,620,000 | 57,113,000 | 55,124,000 | 54,895,000 |
| Risk-weighted assets | 290,631,000 | 304,760,000 | 308,351,000 | 335,465,000 |