Call reports 2014
UNITED BANK & CAPITAL TRUST COMPANY — 2014
What UNITED BANK & CAPITAL TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 703,537,000 | 695,099,000 | 692,412,000 | 686,948,000 |
| Total loans | 319,270,000 | 324,335,000 | 321,504,000 | 313,499,000 |
| Allowance for loan losses | 5,642,000 | 5,109,000 | 4,220,000 | 3,674,000 |
| Securities available for sale | 302,723,000 | 300,649,000 | 300,997,000 | 308,198,000 |
| Securities held to maturity | 765,000 | 765,000 | 765,000 | 705,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 564,563,000 | 553,588,000 | 554,690,000 | 554,664,000 |
| Interest-bearing deposits | 452,425,000 | 436,734,000 | 433,038,000 | 430,176,000 |
| Noninterest-bearing deposits | 112,138,000 | 116,854,000 | 121,652,000 | 124,488,000 |
| Equity capital | 69,608,000 | 70,947,000 | 72,412,000 | 68,730,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,033,000 | 12,045,000 | 17,949,000 | 23,798,000 |
| Interest expense | 913,000 | 1,812,000 | 2,671,000 | 3,448,000 |
| Net interest income | 5,120,000 | 10,233,000 | 15,278,000 | 20,350,000 |
| Noninterest income | 1,146,000 | 2,940,000 | 5,118,000 | 6,727,000 |
| Noninterest expense | 4,962,000 | 10,024,000 | 14,996,000 | 19,676,000 |
| Provision for loan losses | -922,000 | -1,542,000 | -2,143,000 | -2,568,000 |
| Pretax income | 2,228,000 | 4,687,000 | 7,539,000 | 9,965,000 |
| Income tax | 595,000 | 1,243,000 | 1,918,000 | 2,638,000 |
| Net income | 1,633,000 | 3,444,000 | 5,621,000 | 7,327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,227,000 | 67,860,000 | 70,039,000 | 65,744,000 |
| Total capital | 72,956,000 | 72,556,000 | 74,260,000 | 69,418,000 |
| Risk-weighted assets | 377,438,000 | 375,270,000 | 373,089,000 | 371,297,000 |