Call reports 2004
UNITED BANK & CAPITAL TRUST COMPANY — 2004
What UNITED BANK & CAPITAL TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 544,180,000 | 534,504,000 | 506,861,000 | 511,764,000 |
| Total loans | 264,368,000 | 264,834,000 | 275,373,000 | 277,734,000 |
| Allowance for loan losses | 3,857,000 | 3,859,000 | 3,874,000 | 3,905,000 |
| Securities available for sale | 188,974,000 | 180,988,000 | 123,975,000 | 152,874,000 |
| Securities held to maturity | 15,951,000 | 15,268,000 | 14,580,000 | 13,154,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 406,154,000 | 396,338,000 | 400,149,000 | 368,481,000 |
| Interest-bearing deposits | 310,386,000 | 289,247,000 | 277,544,000 | 284,620,000 |
| Noninterest-bearing deposits | 95,768,000 | 107,091,000 | 122,605,000 | 83,861,000 |
| Equity capital | 36,590,000 | 33,389,000 | 37,085,000 | 34,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,588,000 | 11,114,000 | 16,706,000 | 22,398,000 |
| Interest expense | 1,518,000 | 2,945,000 | 4,384,000 | 6,172,000 |
| Net interest income | 4,070,000 | 8,169,000 | 12,322,000 | 16,226,000 |
| Noninterest income | 1,469,000 | 3,080,000 | 4,578,000 | 6,008,000 |
| Noninterest expense | 3,413,000 | 6,734,000 | 10,164,000 | 13,555,000 |
| Provision for loan losses | 167,000 | 257,000 | 386,000 | 629,000 |
| Pretax income | 1,959,000 | 4,258,000 | 6,440,000 | 8,140,000 |
| Income tax | 278,000 | 650,000 | 1,059,000 | 1,210,000 |
| Net income | 1,681,000 | 3,608,000 | 5,381,000 | 6,930,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,945,000 | 33,906,000 | 35,691,000 | 33,752,000 |
| Total capital | 38,664,000 | 37,662,000 | 39,437,000 | 37,494,000 |
| Risk-weighted assets | 297,398,000 | 300,378,000 | 299,565,000 | 299,208,000 |