Call reports 2017
UNITED BANK & CAPITAL TRUST COMPANY — 2017
What UNITED BANK & CAPITAL TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,662,201,000 | 1,619,961,000 | 1,627,864,000 | 1,631,820,000 |
| Total loans | 989,831,000 | 989,050,000 | 995,111,000 | 1,035,263,000 |
| Allowance for loan losses | 9,507,000 | 9,222,000 | 9,048,000 | 9,783,000 |
| Securities available for sale | 490,138,000 | 460,889,000 | 444,756,000 | 421,475,000 |
| Securities held to maturity | 3,475,000 | 3,461,000 | 3,448,000 | 3,364,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,412,847,000 | 1,377,501,000 | 1,386,617,000 | 1,404,834,000 |
| Interest-bearing deposits | 1,060,865,000 | 1,026,728,000 | 1,028,826,000 | 1,041,521,000 |
| Noninterest-bearing deposits | 351,982,000 | 350,773,000 | 357,791,000 | 363,313,000 |
| Equity capital | 177,011,000 | 169,859,000 | 175,300,000 | 161,873,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 14,355,000 | 29,129,000 | 44,041,000 | 59,028,000 |
| Interest expense | 722,000 | 1,394,000 | 2,064,000 | 2,656,000 |
| Net interest income | 13,633,000 | 27,735,000 | 41,977,000 | 56,372,000 |
| Noninterest income | 5,307,000 | 10,191,000 | 15,648,000 | 20,751,000 |
| Noninterest expense | 13,270,000 | 26,336,000 | 38,876,000 | 52,015,000 |
| Provision for loan losses | 580,000 | 81,000 | -297,000 | -210,000 |
| Pretax income | 5,081,000 | 11,499,000 | 19,039,000 | 25,338,000 |
| Income tax | 1,526,000 | 3,437,000 | 5,652,000 | 13,385,000 |
| Net income | 3,555,000 | 8,062,000 | 13,387,000 | 11,953,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 179,452,000 | 170,939,000 | 176,271,000 | 165,488,000 |
| Total capital | 188,959,000 | 180,161,000 | 185,319,000 | 175,271,000 |
| Risk-weighted assets | 1,153,926,000 | 1,153,526,000 | 1,152,786,000 | 1,177,858,000 |