Call reports 2014
UNITED BANK — 2014
What UNITED BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 492,685,000 | 497,170,000 | 484,584,000 | 488,731,000 |
| Total loans | 256,325,000 | 263,346,000 | 267,762,000 | 261,461,000 |
| Allowance for loan losses | 3,912,000 | 3,758,000 | 3,794,000 | 3,647,000 |
| Securities available for sale | 134,252,000 | 134,503,000 | 140,303,000 | 135,060,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 441,874,000 | 445,150,000 | 432,499,000 | 435,700,000 |
| Interest-bearing deposits | 284,340,000 | 281,298,000 | 280,095,000 | 279,890,000 |
| Noninterest-bearing deposits | 157,534,000 | 163,852,000 | 152,405,000 | 155,810,000 |
| Equity capital | 47,915,000 | 48,849,000 | 49,175,000 | 50,044,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,956,000 | 8,128,000 | 12,346,000 | 16,539,000 |
| Interest expense | 369,000 | 737,000 | 1,101,000 | 1,459,000 |
| Net interest income | 3,587,000 | 7,391,000 | 11,245,000 | 15,080,000 |
| Noninterest income | 1,022,000 | 2,150,000 | 3,211,000 | 4,560,000 |
| Noninterest expense | 3,957,000 | 8,031,000 | 12,118,000 | 16,372,000 |
| Provision for loan losses | 65,000 | 250,000 | 325,000 | 325,000 |
| Pretax income | 587,000 | 1,334,000 | 2,107,000 | 3,120,000 |
| Income tax | 160,000 | 373,000 | 588,000 | 901,000 |
| Net income | 427,000 | 961,000 | 1,519,000 | 2,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,107,000 | 45,551,000 | 45,999,000 | 46,372,000 |
| Total capital | 48,752,000 | 49,306,000 | 49,727,000 | 50,020,000 |
| Risk-weighted assets | 291,274,000 | 300,303,000 | 300,904,000 | 294,235,000 |