Call reports 2013
UNITED BANK — 2013
What UNITED BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 2,062,001,000 | 2,179,672,000 | 2,217,455,000 | 2,302,101,000 |
| Total loans | 1,580,134,000 | 1,621,358,000 | 1,659,943,000 | 1,717,008,000 |
| Allowance for loan losses | 18,537,000 | 18,345,000 | 18,703,000 | 19,183,000 |
| Securities available for sale | 312,835,000 | 350,570,000 | 370,127,000 | 404,904,000 |
| Securities held to maturity | 5,267,000 | 4,555,000 | 14,141,000 | 13,830,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,603,117,000 | 1,619,825,000 | 1,714,700,000 | 1,767,330,000 |
| Interest-bearing deposits | 1,324,978,000 | 1,346,433,000 | 1,436,342,000 | 1,475,346,000 |
| Noninterest-bearing deposits | 278,139,000 | 273,392,000 | 278,358,000 | 291,984,000 |
| Equity capital | 255,110,000 | 255,320,000 | 259,440,000 | 256,955,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 19,084,000 | 38,270,000 | 57,770,000 | 77,517,000 |
| Interest expense | 2,578,000 | 5,061,000 | 7,688,000 | 10,460,000 |
| Net interest income | 16,506,000 | 33,209,000 | 50,082,000 | 67,057,000 |
| Noninterest income | 4,604,000 | 7,997,000 | 12,805,000 | 15,322,000 |
| Noninterest expense | 13,884,000 | 28,684,000 | 42,516,000 | 55,795,000 |
| Provision for loan losses | 391,000 | 794,000 | 1,326,000 | 2,046,000 |
| Pretax income | 7,062,000 | 12,284,000 | 19,630,000 | 25,123,000 |
| Income tax | 1,980,000 | 3,415,000 | 5,705,000 | 6,971,000 |
| Net income | 5,082,000 | 8,869,000 | 13,925,000 | 18,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 258,571,000 | 262,231,000 | 267,249,000 | 260,241,000 |
| Total capital | 277,741,000 | 281,210,000 | 286,696,000 | 280,196,000 |
| Risk-weighted assets | 1,606,182,000 | 1,708,709,000 | 1,749,610,000 | 1,817,107,000 |