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 | 231,183,000 | 239,636,000 | 237,303,000 | 248,130,000 |
| Total loans | 177,636,000 | 183,966,000 | 187,561,000 | 191,451,000 |
| Allowance for loan losses | 2,372,000 | 2,357,000 | 2,262,000 | 2,341,000 |
| Securities available for sale | 34,569,000 | 29,167,000 | 24,483,000 | 25,088,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,556,000 | 200,432,000 | 196,170,000 | 213,429,000 |
| Interest-bearing deposits | 162,453,000 | 157,201,000 | 139,712,000 | 151,684,000 |
| Noninterest-bearing deposits | 36,102,000 | 43,230,000 | 56,458,000 | 61,744,000 |
| Equity capital | 22,265,000 | 22,831,000 | 23,402,000 | 23,938,000 |
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 | 2,110,000 | 4,308,000 | 6,672,000 | 9,035,000 |
| Interest expense | 254,000 | 485,000 | 710,000 | 1,111,000 |
| Net interest income | 1,856,000 | 3,823,000 | 5,962,000 | 7,924,000 |
| Noninterest income | 758,000 | 1,739,000 | 2,460,000 | 3,335,000 |
| Noninterest expense | 1,923,000 | 3,956,000 | 5,979,000 | 7,816,000 |
| Provision for loan losses | 0 | 0 | 0 | 72,000 |
| Pretax income | 691,000 | 1,606,000 | 2,443,000 | 3,371,000 |
| Income tax | 237,000 | 558,000 | 855,000 | 1,181,000 |
| Net income | 454,000 | 1,048,000 | 1,588,000 | 2,190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,185,000 | 22,780,000 | 23,319,000 | 23,920,000 |
| Total capital | 24,557,000 | 25,137,000 | 25,581,000 | 26,261,000 |
| Risk-weighted assets | 203,702,000 | 207,045,000 | 207,371,000 | 211,783,000 |