Call reports 2007
UNITED BANK & CAPITAL TRUST COMPANY — 2007
What UNITED BANK & CAPITAL TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 669,967,000 | 561,083,000 | 560,804,000 | 561,256,000 |
| Total loans | 330,118,000 | 334,670,000 | 330,922,000 | 338,272,000 |
| Allowance for loan losses | 3,389,000 | 3,246,000 | 3,399,000 | 4,284,000 |
| Securities available for sale | 150,042,000 | 114,746,000 | 109,932,000 | 173,613,000 |
| Securities held to maturity | 6,098,000 | 5,235,000 | 4,305,000 | 3,374,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 421,575,000 | 409,852,000 | 448,012,000 | 400,574,000 |
| Interest-bearing deposits | 319,198,000 | 314,842,000 | 321,745,000 | 325,270,000 |
| Noninterest-bearing deposits | 102,377,000 | 95,011,000 | 126,267,000 | 75,303,000 |
| Equity capital | 33,572,000 | 34,455,000 | 36,527,000 | 33,216,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,196,000 | 16,123,000 | 23,646,000 | 31,938,000 |
| Interest expense | 4,332,000 | 8,347,000 | 11,952,000 | 15,973,000 |
| Net interest income | 3,864,000 | 7,776,000 | 11,694,000 | 15,965,000 |
| Noninterest income | 1,098,000 | 2,379,000 | 3,902,000 | 5,296,000 |
| Noninterest expense | 3,510,000 | 7,153,000 | 10,815,000 | 14,883,000 |
| Provision for loan losses | -154,000 | -312,000 | -154,000 | 798,000 |
| Pretax income | 1,606,000 | 3,314,000 | 4,935,000 | 5,580,000 |
| Income tax | 137,000 | 272,000 | 673,000 | 525,000 |
| Net income | 1,469,000 | 3,042,000 | 4,262,000 | 5,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,822,000 | 36,399,000 | 37,621,000 | 34,058,000 |
| Total capital | 38,211,000 | 39,645,000 | 41,020,000 | 38,342,000 |
| Risk-weighted assets | 367,680,000 | 356,424,000 | 349,161,000 | 344,097,000 |