Call reports 2016
UNITED BANK & CAPITAL TRUST COMPANY — 2016
What UNITED BANK & CAPITAL TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 696,383,000 | 690,496,000 | 649,074,000 | 642,654,000 |
| Total loans | 319,422,000 | 319,814,000 | 320,901,000 | 322,594,000 |
| Allowance for loan losses | 2,922,000 | 2,851,000 | 2,769,000 | 2,704,000 |
| Securities available for sale | 300,902,000 | 294,622,000 | 255,918,000 | 260,660,000 |
| Securities held to maturity | 640,000 | 640,000 | 640,000 | 570,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 564,098,000 | 559,245,000 | 553,092,000 | 554,782,000 |
| Interest-bearing deposits | 432,577,000 | 424,431,000 | 416,230,000 | 419,795,000 |
| Noninterest-bearing deposits | 131,522,000 | 134,814,000 | 136,862,000 | 134,988,000 |
| Equity capital | 68,734,000 | 67,706,000 | 68,197,000 | 62,921,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,832,000 | 11,431,000 | 16,888,000 | 22,268,000 |
| Interest expense | 684,000 | 1,371,000 | 2,000,000 | 2,283,000 |
| Net interest income | 5,148,000 | 10,060,000 | 14,888,000 | 19,985,000 |
| Noninterest income | 1,603,000 | 3,114,000 | 6,097,000 | 7,560,000 |
| Noninterest expense | 4,804,000 | 9,520,000 | 15,756,000 | 20,594,000 |
| Provision for loan losses | -330,000 | -237,000 | -206,000 | -332,000 |
| Pretax income | 2,326,000 | 4,021,000 | 7,079,000 | 8,926,000 |
| Income tax | 635,000 | 1,101,000 | 1,925,000 | 2,464,000 |
| Net income | 1,691,000 | 2,920,000 | 5,154,000 | 6,462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,243,000 | 63,473,000 | 65,708,000 | 64,016,000 |
| Total capital | 68,165,000 | 66,324,000 | 68,477,000 | 66,720,000 |
| Risk-weighted assets | 405,985,000 | 399,921,000 | 383,897,000 | 387,225,000 |