Call reports 2015
UNITED BANK & CAPITAL TRUST COMPANY — 2015
What UNITED BANK & CAPITAL TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 704,331,000 | 680,719,000 | 693,499,000 | 685,180,000 |
| Total loans | 319,006,000 | 316,206,000 | 313,463,000 | 320,486,000 |
| Allowance for loan losses | 3,592,000 | 3,746,000 | 3,611,000 | 3,176,000 |
| Securities available for sale | 310,326,000 | 298,404,000 | 303,864,000 | 293,463,000 |
| Securities held to maturity | 705,000 | 705,000 | 705,000 | 640,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 569,425,000 | 549,668,000 | 555,093,000 | 553,858,000 |
| Interest-bearing deposits | 442,943,000 | 425,223,000 | 431,599,000 | 422,289,000 |
| Noninterest-bearing deposits | 126,482,000 | 124,445,000 | 123,495,000 | 131,570,000 |
| Equity capital | 70,607,000 | 67,059,000 | 69,325,000 | 65,699,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,667,000 | 11,286,000 | 16,860,000 | 22,437,000 |
| Interest expense | 739,000 | 1,454,000 | 2,172,000 | 2,880,000 |
| Net interest income | 4,928,000 | 9,832,000 | 14,688,000 | 19,557,000 |
| Noninterest income | 1,539,000 | 3,135,000 | 4,886,000 | 6,119,000 |
| Noninterest expense | 5,066,000 | 9,489,000 | 14,468,000 | 19,216,000 |
| Provision for loan losses | -260,000 | 51,000 | -137,000 | -297,000 |
| Pretax income | 1,654,000 | 3,442,000 | 5,259,000 | 6,812,000 |
| Income tax | 381,000 | 816,000 | 1,295,000 | 1,611,000 |
| Net income | 1,273,000 | 2,626,000 | 3,964,000 | 5,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,019,000 | 64,973,000 | 66,313,000 | 63,552,000 |
| Total capital | 70,611,000 | 68,719,000 | 69,924,000 | 66,728,000 |
| Risk-weighted assets | 386,827,000 | 391,913,000 | 396,224,000 | 408,136,000 |