Call reports 2012
UNITED BANK & CAPITAL TRUST COMPANY — 2012
What UNITED BANK & CAPITAL TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 731,488,000 | 726,422,000 | 726,176,000 | 699,289,000 |
| Total loans | 354,380,000 | 353,154,000 | 345,525,000 | 338,235,000 |
| Allowance for loan losses | 9,357,000 | 9,157,000 | 8,808,000 | 8,489,000 |
| Securities available for sale | 300,899,000 | 301,087,000 | 291,659,000 | 280,882,000 |
| Securities held to maturity | 875,000 | 875,000 | 875,000 | 820,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 569,340,000 | 562,557,000 | 565,084,000 | 559,303,000 |
| Interest-bearing deposits | 465,318,000 | 454,689,000 | 450,334,000 | 445,502,000 |
| Noninterest-bearing deposits | 104,022,000 | 107,868,000 | 114,750,000 | 113,801,000 |
| Equity capital | 73,872,000 | 76,293,000 | 74,039,000 | 73,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,898,000 | 13,615,000 | 20,141,000 | 26,455,000 |
| Interest expense | 1,660,000 | 3,206,000 | 4,694,000 | 6,006,000 |
| Net interest income | 5,238,000 | 10,409,000 | 15,447,000 | 20,449,000 |
| Noninterest income | 1,011,000 | 2,459,000 | 3,265,000 | 4,358,000 |
| Noninterest expense | 4,997,000 | 9,954,000 | 14,951,000 | 20,242,000 |
| Provision for loan losses | 592,000 | 581,000 | 1,128,000 | 1,323,000 |
| Pretax income | 663,000 | 2,703,000 | 3,076,000 | 3,791,000 |
| Income tax | 8,000 | 435,000 | 327,000 | 368,000 |
| Net income | 655,000 | 2,268,000 | 2,749,000 | 3,423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,758,000 | 72,373,000 | 68,908,000 | 69,582,000 |
| Total capital | 75,784,000 | 77,396,000 | 73,823,000 | 74,475,000 |
| Risk-weighted assets | 397,783,000 | 397,715,000 | 389,314,000 | 387,881,000 |