Call reports 2013
UNITED BANK & CAPITAL TRUST COMPANY — 2013
What UNITED BANK & CAPITAL TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 688,219,000 | 678,529,000 | 696,520,000 | 689,184,000 |
| Total loans | 335,192,000 | 327,800,000 | 325,757,000 | 323,866,000 |
| Allowance for loan losses | 8,216,000 | 7,444,000 | 7,072,000 | 6,844,000 |
| Securities available for sale | 283,439,000 | 276,024,000 | 292,176,000 | 305,450,000 |
| Securities held to maturity | 820,000 | 820,000 | 820,000 | 765,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 547,036,000 | 542,640,000 | 554,168,000 | 553,747,000 |
| Interest-bearing deposits | 439,696,000 | 436,799,000 | 438,043,000 | 439,065,000 |
| Noninterest-bearing deposits | 107,340,000 | 105,840,000 | 116,125,000 | 114,682,000 |
| Equity capital | 74,236,000 | 66,772,000 | 68,951,000 | 66,156,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,030,000 | 12,018,000 | 18,041,000 | 24,200,000 |
| Interest expense | 1,086,000 | 2,131,000 | 3,149,000 | 4,132,000 |
| Net interest income | 4,944,000 | 9,887,000 | 14,892,000 | 20,068,000 |
| Noninterest income | 1,556,000 | 3,027,000 | 4,166,000 | 5,031,000 |
| Noninterest expense | 4,939,000 | 9,902,000 | 14,872,000 | 19,994,000 |
| Provision for loan losses | -179,000 | -749,000 | -1,125,000 | -1,239,000 |
| Pretax income | 1,740,000 | 3,755,000 | 5,305,000 | 6,339,000 |
| Income tax | 441,000 | 927,000 | 1,237,000 | 1,520,000 |
| Net income | 1,299,000 | 2,828,000 | 4,068,000 | 4,819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,884,000 | 67,208,000 | 69,252,000 | 67,409,000 |
| Total capital | 75,759,000 | 72,032,000 | 74,092,000 | 72,232,000 |
| Risk-weighted assets | 386,686,000 | 383,289,000 | 384,993,000 | 383,774,000 |