Call reports 2010
UNITED BANK & CAPITAL TRUST COMPANY — 2010
What UNITED BANK & CAPITAL TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 579,117,000 | 828,085,000 | 809,264,000 | 750,368,000 |
| Total loans | 326,276,000 | 437,733,000 | 428,321,000 | 421,600,000 |
| Allowance for loan losses | 8,268,000 | 10,705,000 | 10,985,000 | 11,825,000 |
| Securities available for sale | 154,959,000 | 239,914,000 | 228,522,000 | 199,608,000 |
| Securities held to maturity | 975,000 | 975,000 | 975,000 | 930,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 429,888,000 | 588,813,000 | 571,708,000 | 570,002,000 |
| Interest-bearing deposits | 359,992,000 | 498,026,000 | 481,714,000 | 480,086,000 |
| Noninterest-bearing deposits | 69,896,000 | 90,787,000 | 89,995,000 | 89,916,000 |
| Equity capital | 49,900,000 | 67,947,000 | 67,564,000 | 67,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,043,000 | 17,710,000 | 26,033,000 | 33,644,000 |
| Interest expense | 2,207,000 | 6,668,000 | 9,623,000 | 12,191,000 |
| Net interest income | 3,836,000 | 11,042,000 | 16,410,000 | 21,453,000 |
| Noninterest income | 804,000 | 2,668,000 | 4,308,000 | 5,803,000 |
| Noninterest expense | 4,449,000 | 11,246,000 | 16,102,000 | 21,326,000 |
| Provision for loan losses | 423,000 | 2,678,000 | 5,349,000 | 6,786,000 |
| Pretax income | 300,000 | 1,759,000 | 4,116,000 | 3,991,000 |
| Income tax | -252,000 | -251,000 | 463,000 | 349,000 |
| Net income | 552,000 | 2,010,000 | 3,653,000 | 3,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,479,000 | 64,782,000 | 66,560,000 | 66,622,000 |
| Total capital | 52,804,000 | 70,428,000 | 72,080,000 | 71,995,000 |
| Risk-weighted assets | 342,065,000 | 446,435,000 | 436,149,000 | 423,369,000 |