Call reports 2008
UNITED BANK & CAPITAL TRUST COMPANY — 2008
What UNITED BANK & CAPITAL TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 608,867,000 | 602,333,000 | 651,320,000 | 603,148,000 |
| Total loans | 344,148,000 | 339,801,000 | 342,513,000 | 342,468,000 |
| Allowance for loan losses | 4,152,000 | 4,651,000 | 4,697,000 | 5,399,000 |
| Securities available for sale | 173,117,000 | 165,811,000 | 161,320,000 | 162,545,000 |
| Securities held to maturity | 2,834,000 | 2,834,000 | 2,069,000 | 1,444,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 437,609,000 | 430,829,000 | 450,441,000 | 433,868,000 |
| Interest-bearing deposits | 336,660,000 | 328,306,000 | 327,705,000 | 316,305,000 |
| Noninterest-bearing deposits | 100,949,000 | 102,523,000 | 122,736,000 | 117,563,000 |
| Equity capital | 35,979,000 | 33,820,000 | 35,630,000 | 38,687,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,127,000 | 15,811,000 | 23,214,000 | 30,483,000 |
| Interest expense | 3,868,000 | 7,147,000 | 10,265,000 | 13,173,000 |
| Net interest income | 4,259,000 | 8,664,000 | 12,949,000 | 17,310,000 |
| Noninterest income | 1,341,000 | 2,624,000 | 3,815,000 | 5,268,000 |
| Noninterest expense | 3,484,000 | 7,267,000 | 10,970,000 | 14,871,000 |
| Provision for loan losses | 289,000 | 526,000 | 1,042,000 | 1,954,000 |
| Pretax income | 2,034,000 | 3,787,000 | 5,041,000 | 6,046,000 |
| Income tax | 391,000 | 777,000 | 720,000 | 904,000 |
| Net income | 1,643,000 | 3,010,000 | 4,321,000 | 5,142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,704,000 | 34,789,000 | 36,179,000 | 37,001,000 |
| Total capital | 39,856,000 | 39,202,000 | 40,711,000 | 41,397,000 |
| Risk-weighted assets | 357,808,000 | 352,810,000 | 362,386,000 | 350,655,000 |