Call reports 2016
UNITED BANK — 2016
What UNITED BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 6,304,808,000 | 6,401,615,000 | 6,533,122,000 | 6,584,834,000 |
| Total loans | 4,666,465,000 | 4,772,240,000 | 4,814,371,000 | 4,975,922,000 |
| Allowance for loan losses | 35,500,000 | 37,961,000 | 41,080,000 | 42,798,000 |
| Securities available for sale | 1,090,498,000 | 1,073,459,000 | 1,052,439,000 | 1,043,411,000 |
| Securities held to maturity | 14,434,000 | 14,289,000 | 14,162,000 | 14,038,000 |
| Trading assets | 0 | 31,119,000 | 28,719,000 | 10,845,000 |
| Total deposits | 4,590,248,000 | 4,508,267,000 | 4,738,116,000 | 4,743,515,000 |
| Interest-bearing deposits | 3,884,571,000 | 3,823,770,000 | 4,038,700,000 | 4,023,101,000 |
| Noninterest-bearing deposits | 705,677,000 | 684,497,000 | 699,416,000 | 720,414,000 |
| Equity capital | 644,237,000 | 660,754,000 | 677,770,000 | 681,985,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 53,575,000 | 105,195,000 | 158,532,000 | 212,153,000 |
| Interest expense | 9,051,000 | 18,034,000 | 27,190,000 | 36,474,000 |
| Net interest income | 44,524,000 | 87,161,000 | 131,342,000 | 175,679,000 |
| Noninterest income | 5,917,000 | 13,336,000 | 21,824,000 | 31,124,000 |
| Noninterest expense | 33,133,000 | 67,626,000 | 99,214,000 | 131,973,000 |
| Provision for loan losses | 2,688,000 | 6,312,000 | 10,078,000 | 13,437,000 |
| Pretax income | 16,072,000 | 28,378,000 | 45,721,000 | 63,334,000 |
| Income tax | 2,620,000 | 4,187,000 | 5,791,000 | 7,450,000 |
| Net income | 13,452,000 | 24,191,000 | 39,930,000 | 55,884,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 535,525,000 | 545,073,000 | 558,812,000 | 574,632,000 |
| Total capital | 572,431,000 | 584,440,000 | 601,416,000 | 619,020,000 |
| Risk-weighted assets | 5,045,352,000 | 5,108,916,000 | 4,902,950,000 | 5,110,229,000 |