Call reports 2003
UNITED BANK & CAPITAL TRUST COMPANY — 2003
What UNITED BANK & CAPITAL TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 522,536,000 | 562,743,000 | 558,442,000 | 571,294,000 |
| Total loans | 258,187,000 | 256,096,000 | 256,310,000 | 256,673,000 |
| Allowance for loan losses | 3,878,000 | 3,848,000 | 3,846,000 | 3,846,000 |
| Securities available for sale | 173,348,000 | 169,191,000 | 167,924,000 | 182,839,000 |
| Securities held to maturity | 17,935,000 | 17,179,000 | 16,273,000 | 16,889,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 376,560,000 | 401,050,000 | 419,701,000 | 444,308,000 |
| Interest-bearing deposits | 282,393,000 | 286,445,000 | 295,885,000 | 305,031,000 |
| Noninterest-bearing deposits | 94,167,000 | 114,605,000 | 123,816,000 | 139,278,000 |
| Equity capital | 46,948,000 | 35,038,000 | 35,478,000 | 34,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,106,000 | 11,728,000 | 17,017,000 | 22,539,000 |
| Interest expense | 2,051,000 | 3,988,000 | 5,668,000 | 7,303,000 |
| Net interest income | 4,055,000 | 7,740,000 | 11,349,000 | 15,236,000 |
| Noninterest income | 1,530,000 | 3,160,000 | 4,692,000 | 6,166,000 |
| Noninterest expense | 3,386,000 | 6,910,000 | 10,237,000 | 13,745,000 |
| Provision for loan losses | 217,000 | 394,000 | 666,000 | 1,151,000 |
| Pretax income | 1,982,000 | 3,596,000 | 5,526,000 | 6,894,000 |
| Income tax | 364,000 | 643,000 | 738,000 | 873,000 |
| Net income | 1,618,000 | 2,953,000 | 4,788,000 | 6,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,343,000 | 32,785,000 | 34,633,000 | 33,251,000 |
| Total capital | 49,001,000 | 36,500,000 | 38,356,000 | 36,992,000 |
| Risk-weighted assets | 292,446,000 | 297,100,000 | 297,722,000 | 299,202,000 |