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 | 249,072,000 | 250,371,000 | 254,422,000 | 264,747,000 |
| Total loans | 196,041,000 | 192,021,000 | 193,378,000 | 202,070,000 |
| Allowance for loan losses | 2,326,000 | 2,318,000 | 2,313,000 | 2,162,000 |
| Securities available for sale | 31,748,000 | 31,233,000 | 31,807,000 | 30,201,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,042,000 | 214,587,000 | 217,724,000 | 227,622,000 |
| Interest-bearing deposits | 153,151,000 | 152,820,000 | 155,615,000 | 163,242,000 |
| Noninterest-bearing deposits | 55,891,000 | 61,768,000 | 62,109,000 | 64,380,000 |
| Equity capital | 24,536,000 | 25,198,000 | 25,850,000 | 25,427,000 |
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 | 2,252,000 | 4,526,000 | 6,849,000 | 9,274,000 |
| Interest expense | 266,000 | 528,000 | 795,000 | 1,072,000 |
| Net interest income | 1,986,000 | 3,998,000 | 6,054,000 | 8,202,000 |
| Noninterest income | 673,000 | 1,460,000 | 2,411,000 | 3,230,000 |
| Noninterest expense | 1,854,000 | 3,741,000 | 5,672,000 | 7,618,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 805,000 | 1,717,000 | 2,793,000 | 3,814,000 |
| Income tax | 275,000 | 584,000 | 959,000 | 1,307,000 |
| Net income | 530,000 | 1,133,000 | 1,834,000 | 2,507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,450,000 | 25,053,000 | 25,754,000 | 25,584,000 |
| Total capital | 26,776,000 | 27,371,000 | 28,067,000 | 27,746,000 |
| Risk-weighted assets | 214,059,000 | 216,155,000 | 215,057,000 | 214,934,000 |