Call reports 2013
UNITED BANK — 2013
What UNITED BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 489,444,000 | 478,347,000 | 481,444,000 | 486,237,000 |
| Total loans | 260,586,000 | 258,988,000 | 259,745,000 | 252,780,000 |
| Allowance for loan losses | 4,436,000 | 4,201,000 | 4,284,000 | 3,792,000 |
| Securities available for sale | 110,548,000 | 114,447,000 | 118,751,000 | 117,961,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 438,202,000 | 428,300,000 | 431,127,000 | 436,062,000 |
| Interest-bearing deposits | 277,286,000 | 275,941,000 | 280,000,000 | 277,876,000 |
| Noninterest-bearing deposits | 160,916,000 | 152,360,000 | 151,127,000 | 158,185,000 |
| Equity capital | 48,466,000 | 47,015,000 | 47,203,000 | 47,354,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,101,000 | 8,154,000 | 12,279,000 | 16,338,000 |
| Interest expense | 449,000 | 885,000 | 1,300,000 | 1,686,000 |
| Net interest income | 3,652,000 | 7,269,000 | 10,979,000 | 14,652,000 |
| Noninterest income | 1,062,000 | 1,638,000 | 2,783,000 | 4,233,000 |
| Noninterest expense | 3,882,000 | 7,820,000 | 11,862,000 | 15,811,000 |
| Provision for loan losses | 223,000 | 298,000 | 448,000 | 498,000 |
| Pretax income | 609,000 | 1,179,000 | 1,842,000 | 2,966,000 |
| Income tax | 198,000 | 379,000 | 587,000 | 955,000 |
| Net income | 411,000 | 800,000 | 1,255,000 | 2,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,239,000 | 43,341,000 | 43,541,000 | 44,174,000 |
| Total capital | 46,901,000 | 47,068,000 | 47,249,000 | 47,791,000 |
| Risk-weighted assets | 291,313,000 | 297,594,000 | 295,902,000 | 289,028,000 |