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 | 210,794,000 | 210,561,000 | 218,931,000 | 220,756,000 |
| Total loans | 170,411,000 | 169,769,000 | 171,909,000 | 171,745,000 |
| Allowance for loan losses | 2,747,000 | 2,631,000 | 2,603,000 | 2,672,000 |
| Securities available for sale | 19,138,000 | 17,925,000 | 24,148,000 | 20,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,503,000 | 175,793,000 | 176,544,000 | 181,141,000 |
| Interest-bearing deposits | 146,958,000 | 145,021,000 | 141,531,000 | 147,863,000 |
| Noninterest-bearing deposits | 28,546,000 | 30,771,000 | 35,013,000 | 33,278,000 |
| Equity capital | 20,406,000 | 20,641,000 | 21,045,000 | 21,318,000 |
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 | 2,338,000 | 4,779,000 | 7,148,000 | 9,491,000 |
| Interest expense | 368,000 | 723,000 | 1,068,000 | 1,409,000 |
| Net interest income | 1,970,000 | 4,056,000 | 6,080,000 | 8,082,000 |
| Noninterest income | 811,000 | 1,552,000 | 2,171,000 | 2,770,000 |
| Noninterest expense | 1,891,000 | 3,958,000 | 5,933,000 | 7,748,000 |
| Provision for loan losses | 79,000 | 79,000 | 79,000 | 120,000 |
| Pretax income | 811,000 | 1,571,000 | 2,239,000 | 2,984,000 |
| Income tax | 279,000 | 541,000 | 767,000 | 1,026,000 |
| Net income | 531,000 | 1,030,000 | 1,472,000 | 1,958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,123,000 | 20,419,000 | 20,861,000 | 21,119,000 |
| Total capital | 22,319,000 | 22,677,000 | 23,160,000 | 23,395,000 |
| Risk-weighted assets | 175,162,000 | 180,241,000 | 183,620,000 | 181,644,000 |
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