Call reports 2006
UNITED BANK & CAPITAL TRUST COMPANY — 2006
What UNITED BANK & CAPITAL TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 522,168,000 | 523,133,000 | 555,368,000 | 598,080,000 |
| Total loans | 293,070,000 | 307,281,000 | 322,271,000 | 327,250,000 |
| Allowance for loan losses | 3,320,000 | 3,460,000 | 3,342,000 | 3,520,000 |
| Securities available for sale | 122,152,000 | 103,701,000 | 106,906,000 | 144,377,000 |
| Securities held to maturity | 9,175,000 | 8,312,000 | 7,607,000 | 6,294,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 375,911,000 | 376,194,000 | 408,250,000 | 433,298,000 |
| Interest-bearing deposits | 285,645,000 | 289,307,000 | 295,280,000 | 306,224,000 |
| Noninterest-bearing deposits | 90,266,000 | 86,887,000 | 112,970,000 | 127,074,000 |
| Equity capital | 38,649,000 | 34,611,000 | 37,357,000 | 37,040,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,526,000 | 13,228,000 | 20,452,000 | 28,394,000 |
| Interest expense | 2,711,000 | 5,708,000 | 9,131,000 | 13,080,000 |
| Net interest income | 3,815,000 | 7,520,000 | 11,321,000 | 15,314,000 |
| Noninterest income | 1,264,000 | 2,730,000 | 4,025,000 | 5,195,000 |
| Noninterest expense | 3,410,000 | 7,037,000 | 10,579,000 | 14,299,000 |
| Provision for loan losses | -69,000 | 196,000 | 244,000 | 568,000 |
| Pretax income | 1,738,000 | 2,862,000 | 4,368,000 | 5,487,000 |
| Income tax | 169,000 | 209,000 | 217,000 | 353,000 |
| Net income | 1,569,000 | 2,653,000 | 4,151,000 | 5,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,594,000 | 36,081,000 | 37,582,000 | 38,411,000 |
| Total capital | 42,914,000 | 39,541,000 | 40,924,000 | 41,931,000 |
| Risk-weighted assets | 319,281,000 | 325,510,000 | 339,737,000 | 351,145,000 |