Call reports 2010
UNITED BANK — 2010
What UNITED BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 470,095,000 | 491,831,000 | 481,611,000 | 466,863,000 |
| Total loans | 281,689,000 | 281,889,000 | 279,032,000 | 261,779,000 |
| Allowance for loan losses | 7,452,000 | 7,741,000 | 5,515,000 | 5,140,000 |
| Securities available for sale | 71,823,000 | 77,453,000 | 69,382,000 | 68,808,000 |
| Securities held to maturity | 10,411,000 | 10,398,000 | 17,313,000 | 17,263,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 418,453,000 | 439,643,000 | 431,003,000 | 417,071,000 |
| Interest-bearing deposits | 290,502,000 | 283,263,000 | 279,675,000 | 274,351,000 |
| Noninterest-bearing deposits | 127,952,000 | 156,380,000 | 151,328,000 | 142,720,000 |
| Equity capital | 47,168,000 | 47,852,000 | 46,120,000 | 45,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,859,000 | 9,764,000 | 14,572,000 | 19,170,000 |
| Interest expense | 1,324,000 | 2,485,000 | 3,560,000 | 4,526,000 |
| Net interest income | 3,535,000 | 7,279,000 | 11,012,000 | 14,644,000 |
| Noninterest income | 1,045,000 | 2,191,000 | 3,135,000 | 4,315,000 |
| Noninterest expense | 3,878,000 | 8,012,000 | 13,053,000 | 17,137,000 |
| Provision for loan losses | 438,000 | 1,038,000 | 4,138,000 | 4,438,000 |
| Pretax income | 423,000 | 639,000 | -1,997,000 | -1,569,000 |
| Income tax | 13,000 | 2,000 | -1,064,000 | -964,000 |
| Net income | 410,000 | 637,000 | -933,000 | -605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,506,000 | 41,740,000 | 41,111,000 | 40,252,000 |
| Total capital | 45,444,000 | 45,665,000 | 44,967,000 | 43,896,000 |
| Risk-weighted assets | 311,527,000 | 310,168,000 | 306,915,000 | 290,055,000 |