Call reports 2015
UNITED BANK — 2015
What UNITED BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 5,528,910,000 | 5,676,794,000 | 5,838,704,000 | 6,224,169,000 |
| Total loans | 3,923,091,000 | 4,106,335,000 | 4,231,096,000 | 4,632,348,000 |
| Allowance for loan losses | 25,297,000 | 28,856,000 | 30,832,000 | 33,887,000 |
| Securities available for sale | 1,094,229,000 | 1,061,926,000 | 1,080,393,000 | 1,059,169,000 |
| Securities held to maturity | 15,204,000 | 14,992,000 | 14,715,000 | 14,565,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,214,590,000 | 4,240,402,000 | 4,307,446,000 | 4,480,342,000 |
| Interest-bearing deposits | 3,602,603,000 | 3,615,989,000 | 3,672,428,000 | 3,802,504,000 |
| Noninterest-bearing deposits | 611,987,000 | 624,413,000 | 635,018,000 | 677,838,000 |
| Equity capital | 628,394,000 | 635,907,000 | 652,716,000 | 630,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 48,294,000 | 97,004,000 | 146,630,000 | 196,342,000 |
| Interest expense | 5,803,000 | 12,460,000 | 19,306,000 | 27,184,000 |
| Net interest income | 42,491,000 | 84,544,000 | 127,324,000 | 169,158,000 |
| Noninterest income | 6,700,000 | 15,782,000 | 24,212,000 | 32,963,000 |
| Noninterest expense | 30,132,000 | 59,329,000 | 90,697,000 | 125,327,000 |
| Provision for loan losses | 1,511,000 | 5,973,000 | 9,225,000 | 13,005,000 |
| Pretax income | 17,886,000 | 35,722,000 | 52,253,000 | 64,728,000 |
| Income tax | 3,642,000 | 6,598,000 | 8,315,000 | 9,323,000 |
| Net income | 14,244,000 | 29,124,000 | 43,938,000 | 55,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 511,416,000 | 527,359,000 | 542,711,000 | 523,786,000 |
| Total capital | 536,811,000 | 557,550,000 | 574,827,000 | 558,969,000 |
| Risk-weighted assets | 4,377,444,000 | 4,432,690,000 | 4,646,080,000 | 4,983,035,000 |