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 | 2,429,299,000 | 2,452,336,000 | 2,495,104,000 | 2,484,013,000 |
| Total loans | 1,843,804,000 | 1,863,335,000 | 1,896,327,000 | 1,884,631,000 |
| Allowance for loan losses | 12,696,000 | 13,070,000 | 13,642,000 | 13,413,000 |
| Securities available for sale | 282,897,000 | 272,902,000 | 264,424,000 | 264,629,000 |
| Securities held to maturity | 76,107,000 | 86,639,000 | 97,991,000 | 111,185,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,905,198,000 | 1,951,638,000 | 1,969,597,000 | 1,967,377,000 |
| Interest-bearing deposits | 1,808,237,000 | 1,849,740,000 | 1,866,060,000 | 1,863,753,000 |
| Noninterest-bearing deposits | 96,961,000 | 101,898,000 | 103,537,000 | 103,624,000 |
| Equity capital | 305,575,000 | 286,177,000 | 290,995,000 | 293,825,000 |
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 | 24,692,000 | 48,467,000 | 71,950,000 | 95,379,000 |
| Interest expense | 3,812,000 | 7,591,000 | 11,408,000 | 15,120,000 |
| Net interest income | 20,880,000 | 40,876,000 | 60,542,000 | 80,259,000 |
| Noninterest income | 2,461,000 | 4,947,000 | 7,664,000 | 10,204,000 |
| Noninterest expense | 15,230,000 | 31,010,000 | 45,549,000 | 60,560,000 |
| Provision for loan losses | 950,000 | 1,842,000 | 2,967,000 | 4,092,000 |
| Pretax income | 7,111,000 | 12,922,000 | 19,641,000 | 26,038,000 |
| Income tax | 1,945,000 | 3,449,000 | 5,316,000 | 6,770,000 |
| Net income | 5,166,000 | 9,473,000 | 14,325,000 | 19,268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 257,614,000 | 241,229,000 | 245,866,000 | 250,645,000 |
| Total capital | 270,310,000 | 254,299,000 | 259,508,000 | 264,058,000 |
| Risk-weighted assets | 1,981,729,000 | 2,021,814,000 | 2,005,310,000 | 2,017,200,000 |
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