Call reports 2005
UNITED BANK & CAPITAL TRUST COMPANY — 2005
What UNITED BANK & CAPITAL TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 531,899,000 | 518,334,000 | 588,779,000 | 516,580,000 |
| Total loans | 276,046,000 | 277,326,000 | 280,420,000 | 284,444,000 |
| Allowance for loan losses | 4,008,000 | 3,269,000 | 3,276,000 | 3,436,000 |
| Securities available for sale | 148,154,000 | 120,042,000 | 156,435,000 | 125,297,000 |
| Securities held to maturity | 12,557,000 | 11,950,000 | 10,754,000 | 10,047,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 385,024,000 | 402,012,000 | 451,153,000 | 383,864,000 |
| Interest-bearing deposits | 288,575,000 | 292,034,000 | 312,218,000 | 307,225,000 |
| Noninterest-bearing deposits | 96,449,000 | 109,979,000 | 138,935,000 | 76,639,000 |
| Equity capital | 35,217,000 | 35,859,000 | 36,580,000 | 37,581,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,827,000 | 11,639,000 | 17,776,000 | 24,380,000 |
| Interest expense | 2,102,000 | 4,246,000 | 6,561,000 | 9,196,000 |
| Net interest income | 3,725,000 | 7,393,000 | 11,215,000 | 15,184,000 |
| Noninterest income | 2,150,000 | 3,702,000 | 5,041,000 | 6,399,000 |
| Noninterest expense | 3,624,000 | 7,128,000 | 10,631,000 | 13,990,000 |
| Provision for loan losses | 198,000 | -268,000 | 52,000 | 224,000 |
| Pretax income | 2,053,000 | 4,235,000 | 5,573,000 | 7,369,000 |
| Income tax | 353,000 | 834,000 | 691,000 | 901,000 |
| Net income | 1,700,000 | 3,401,000 | 4,882,000 | 6,468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,456,000 | 35,173,000 | 36,653,000 | 38,022,000 |
| Total capital | 39,350,000 | 38,442,000 | 39,929,000 | 41,458,000 |
| Risk-weighted assets | 311,384,000 | 305,378,000 | 330,926,000 | 310,400,000 |