Call reports 2023
UNITED BANK — 2023
What UNITED BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 2,282,158,000 | 2,241,492,000 | 2,158,409,000 | 2,231,281,000 |
| Total loans | 827,410,000 | 853,981,000 | 859,533,000 | 869,593,000 |
| Allowance for loan losses | 15,109,000 | 15,109,000 | 15,109,000 | 15,477,000 |
| Securities available for sale | 500,072,000 | 524,837,000 | 545,249,000 | 570,148,000 |
| Securities held to maturity | 64,511,000 | 62,398,000 | 60,426,000 | 60,311,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,071,750,000 | 2,027,539,000 | 1,953,876,000 | 1,998,461,000 |
| Interest-bearing deposits | 1,680,243,000 | 1,669,834,000 | 1,617,055,000 | 1,680,010,000 |
| Noninterest-bearing deposits | 391,507,000 | 357,705,000 | 336,821,000 | 318,451,000 |
| Equity capital | 191,884,000 | 200,177,000 | 188,951,000 | 216,360,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 28,018,000 | 56,882,000 | 86,830,000 | 117,136,000 |
| Interest expense | 1,512,000 | 3,367,000 | 5,571,000 | 7,978,000 |
| Net interest income | 26,506,000 | 53,515,000 | 81,259,000 | 109,158,000 |
| Noninterest income | 7,342,000 | 14,752,000 | 22,235,000 | 29,501,000 |
| Noninterest expense | 12,744,000 | 26,702,000 | 40,371,000 | 54,603,000 |
| Provision for loan losses | 14,000 | 222,000 | 523,000 | 2,531,000 |
| Pretax income | 21,090,000 | 41,343,000 | 62,600,000 | 81,525,000 |
| Income tax | 4,550,000 | 9,173,000 | 13,591,000 | 18,339,000 |
| Net income | 16,540,000 | 32,170,000 | 49,009,000 | 63,186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 217,865,000 | 233,495,000 | 229,114,000 | 243,290,000 |
| Total capital | 230,748,000 | 246,619,000 | 242,264,000 | 256,474,000 |
| Risk-weighted assets | 1,026,224,000 | 1,045,701,000 | 1,047,773,000 | 1,050,235,000 |
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