Call reports 2018
UNITED BANK & CAPITAL TRUST COMPANY — 2018
What UNITED BANK & CAPITAL TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 |
|---|---|---|
| Total assets | 1,645,702,000 | 1,588,512,000 |
| Total loans | 1,035,469,000 | 1,064,215,000 |
| Allowance for loan losses | 9,748,000 | 10,001,000 |
| Securities available for sale | 399,681,000 | 377,636,000 |
| Securities held to maturity | 3,350,000 | 2,837,000 |
| Trading assets | 0 | 0 |
| Total deposits | 1,419,431,000 | 1,360,701,000 |
| Interest-bearing deposits | 1,041,927,000 | 1,000,616,000 |
| Noninterest-bearing deposits | 377,504,000 | 360,085,000 |
| Equity capital | 163,505,000 | 163,672,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 |
|---|---|---|
| Interest income | 15,218,000 | 30,968,000 |
| Interest expense | 638,000 | 1,302,000 |
| Net interest income | 14,580,000 | 29,666,000 |
| Noninterest income | 5,270,000 | 10,017,000 |
| Noninterest expense | 13,105,000 | 25,906,000 |
| Provision for loan losses | -261,000 | -134,000 |
| Pretax income | 7,006,000 | 14,719,000 |
| Income tax | 1,291,000 | 2,743,000 |
| Net income | 5,715,000 | 11,976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 |
|---|---|---|
| Tier 1 capital | 171,209,000 | 172,479,000 |
| Total capital | 180,957,000 | 182,480,000 |
| Risk-weighted assets | 1,169,956,000 | 1,191,078,000 |