Call reports 2009
UNITED BANK & CAPITAL TRUST COMPANY — 2009
What UNITED BANK & CAPITAL TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 584,541,000 | 648,573,000 | 625,955,000 | 591,092,000 |
| Total loans | 340,599,000 | 338,562,000 | 332,334,000 | 325,194,000 |
| Allowance for loan losses | 5,726,000 | 6,549,000 | 7,019,000 | 8,260,000 |
| Securities available for sale | 158,604,000 | 153,904,000 | 164,876,000 | 157,348,000 |
| Securities held to maturity | 1,195,000 | 1,195,000 | 1,195,000 | 975,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 423,557,000 | 440,188,000 | 475,782,000 | 436,659,000 |
| Interest-bearing deposits | 329,077,000 | 334,973,000 | 350,438,000 | 353,216,000 |
| Noninterest-bearing deposits | 94,480,000 | 105,215,000 | 125,344,000 | 83,443,000 |
| Equity capital | 40,288,000 | 39,040,000 | 39,260,000 | 49,378,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,957,000 | 13,629,000 | 20,137,000 | 26,079,000 |
| Interest expense | 2,601,000 | 5,249,000 | 7,898,000 | 10,411,000 |
| Net interest income | 4,356,000 | 8,380,000 | 12,239,000 | 15,668,000 |
| Noninterest income | 1,276,000 | 2,768,000 | 4,030,000 | 4,944,000 |
| Noninterest expense | 3,807,000 | 8,272,000 | 11,996,000 | 15,977,000 |
| Provision for loan losses | 564,000 | 2,356,000 | 5,708,000 | 7,508,000 |
| Pretax income | 1,520,000 | 1,121,000 | -817,000 | -1,766,000 |
| Income tax | 237,000 | 44,000 | -779,000 | -1,928,000 |
| Net income | 1,283,000 | 1,077,000 | -38,000 | 162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,287,000 | 38,084,000 | 36,972,000 | 48,178,000 |
| Total capital | 42,593,000 | 42,411,000 | 41,329,000 | 52,411,000 |
| Risk-weighted assets | 342,914,000 | 343,905,000 | 345,877,000 | 334,589,000 |