Call reports 2012
UNITED BANK — 2012
What UNITED BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 463,928,000 | 460,723,000 | 458,043,000 | 466,653,000 |
| Total loans | 269,979,000 | 270,029,000 | 279,675,000 | 264,856,000 |
| Allowance for loan losses | 5,112,000 | 5,302,000 | 4,289,000 | 4,501,000 |
| Securities available for sale | 73,340,000 | 93,188,000 | 95,608,000 | 97,251,000 |
| Securities held to maturity | 19,805,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 413,776,000 | 409,755,000 | 406,781,000 | 415,427,000 |
| Interest-bearing deposits | 277,674,000 | 276,316,000 | 275,020,000 | 270,610,000 |
| Noninterest-bearing deposits | 136,102,000 | 133,439,000 | 131,761,000 | 144,818,000 |
| Equity capital | 47,397,000 | 47,791,000 | 48,239,000 | 48,340,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,378,000 | 8,692,000 | 13,106,000 | 17,412,000 |
| Interest expense | 650,000 | 1,266,000 | 1,833,000 | 2,335,000 |
| Net interest income | 3,728,000 | 7,426,000 | 11,273,000 | 15,077,000 |
| Noninterest income | 865,000 | 1,002,000 | 2,187,000 | 3,493,000 |
| Noninterest expense | 3,876,000 | 7,751,000 | 11,605,000 | 15,408,000 |
| Provision for loan losses | 200,000 | 500,000 | 1,250,000 | 2,205,000 |
| Pretax income | 517,000 | 1,117,000 | 1,545,000 | 1,899,000 |
| Income tax | 147,000 | 321,000 | 419,000 | 486,000 |
| Net income | 370,000 | 796,000 | 1,126,000 | 1,413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,002,000 | 42,176,000 | 42,431,000 | 42,628,000 |
| Total capital | 45,763,000 | 45,896,000 | 46,255,000 | 46,262,000 |
| Risk-weighted assets | 299,642,000 | 295,515,000 | 305,049,000 | 289,820,000 |