Call reports 2005
UNITED BANK — 2005
What UNITED BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 923,529,000 | 981,313,000 | 1,008,818,000 | 1,054,829,000 |
| Total loans | 739,946,000 | 791,111,000 | 825,283,000 | 868,384,000 |
| Allowance for loan losses | 6,789,000 | 7,670,000 | 8,123,000 | 8,675,000 |
| Securities available for sale | 129,548,000 | 124,356,000 | 128,809,000 | 128,808,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 720,619,000 | 759,932,000 | 759,782,000 | 802,976,000 |
| Interest-bearing deposits | 645,795,000 | 674,445,000 | 678,894,000 | 715,776,000 |
| Noninterest-bearing deposits | 74,824,000 | 85,487,000 | 80,888,000 | 87,200,000 |
| Equity capital | 68,244,000 | 108,657,000 | 110,417,000 | 112,787,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 11,019,000 | 22,809,000 | 35,047,000 | 48,600,000 |
| Interest expense | 3,768,000 | 7,593,000 | 11,785,000 | 16,772,000 |
| Net interest income | 7,251,000 | 15,216,000 | 23,262,000 | 31,828,000 |
| Noninterest income | 816,000 | 1,721,000 | 2,733,000 | 3,752,000 |
| Noninterest expense | 6,119,000 | 12,022,000 | 17,994,000 | 24,495,000 |
| Provision for loan losses | 750,000 | 1,600,000 | 2,050,000 | 2,700,000 |
| Pretax income | 1,276,000 | 3,480,000 | 6,204,000 | 8,709,000 |
| Income tax | 359,000 | 1,062,000 | 1,987,000 | 2,808,000 |
| Net income | 917,000 | 2,418,000 | 4,217,000 | 5,901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,859,000 | 103,862,000 | 105,662,000 | 108,898,000 |
| Total capital | 70,855,000 | 111,745,000 | 114,058,000 | 117,882,000 |
| Risk-weighted assets | 610,025,000 | 664,260,000 | 704,000,000 | 756,230,000 |
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