Call reports 2011
UNITED BANK & CAPITAL TRUST COMPANY — 2011
What UNITED BANK & CAPITAL TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 786,461,000 | 767,240,000 | 744,211,000 | 720,976,000 |
| Total loans | 409,900,000 | 395,278,000 | 382,482,000 | 368,118,000 |
| Allowance for loan losses | 11,890,000 | 11,926,000 | 11,975,000 | 10,173,000 |
| Securities available for sale | 233,563,000 | 282,768,000 | 278,385,000 | 281,549,000 |
| Securities held to maturity | 930,000 | 930,000 | 930,000 | 875,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 580,762,000 | 569,214,000 | 577,233,000 | 559,499,000 |
| Interest-bearing deposits | 485,978,000 | 478,238,000 | 477,075,000 | 459,436,000 |
| Noninterest-bearing deposits | 94,785,000 | 90,977,000 | 100,158,000 | 100,063,000 |
| Equity capital | 66,702,000 | 69,806,000 | 72,686,000 | 73,388,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 7,479,000 | 15,023,000 | 22,217,000 | 29,110,000 |
| Interest expense | 2,254,000 | 4,440,000 | 6,521,000 | 8,425,000 |
| Net interest income | 5,225,000 | 10,583,000 | 15,696,000 | 20,685,000 |
| Noninterest income | 1,258,000 | 2,616,000 | 4,103,000 | 5,495,000 |
| Noninterest expense | 5,927,000 | 10,175,000 | 15,166,000 | 20,298,000 |
| Provision for loan losses | 854,000 | 1,359,000 | 1,658,000 | 2,479,000 |
| Pretax income | -102,000 | 2,268,000 | 3,826,000 | 4,299,000 |
| Income tax | 125,000 | 636,000 | 817,000 | 831,000 |
| Net income | -227,000 | 1,632,000 | 3,009,000 | 3,468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,505,000 | 67,075,000 | 69,644,000 | 70,101,000 |
| Total capital | 69,844,000 | 72,423,000 | 74,850,000 | 75,151,000 |
| Risk-weighted assets | 420,523,000 | 421,270,000 | 409,543,000 | 398,861,000 |