Call reports 2015
UNITED BANK — 2015
What UNITED BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 506,941,000 | 516,965,000 | 504,911,000 | 529,814,000 |
| Total loans | 266,217,000 | 282,732,000 | 294,287,000 | 288,829,000 |
| Allowance for loan losses | 3,735,000 | 3,691,000 | 3,793,000 | 3,822,000 |
| Securities available for sale | 132,226,000 | 134,072,000 | 121,737,000 | 117,084,000 |
| Securities held to maturity | 5,253,000 | 24,885,000 | 26,501,000 | 26,468,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 453,264,000 | 462,998,000 | 448,903,000 | 474,543,000 |
| Interest-bearing deposits | 277,073,000 | 275,867,000 | 273,659,000 | 278,203,000 |
| Noninterest-bearing deposits | 176,191,000 | 187,131,000 | 175,244,000 | 196,340,000 |
| Equity capital | 51,134,000 | 51,001,000 | 52,458,000 | 52,054,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,072,000 | 8,301,000 | 12,846,000 | 17,258,000 |
| Interest expense | 342,000 | 686,000 | 1,040,000 | 1,389,000 |
| Net interest income | 3,730,000 | 7,615,000 | 11,806,000 | 15,869,000 |
| Noninterest income | 1,216,000 | 2,531,000 | 4,119,000 | 5,375,000 |
| Noninterest expense | 4,044,000 | 8,261,000 | 12,423,000 | 16,722,000 |
| Provision for loan losses | 75,000 | 155,000 | 230,000 | 295,000 |
| Pretax income | 852,000 | 1,756,000 | 3,392,000 | 4,355,000 |
| Income tax | 242,000 | 493,000 | 1,009,000 | 1,304,000 |
| Net income | 610,000 | 1,263,000 | 2,383,000 | 3,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,550,000 | 50,544,000 | 50,853,000 | 50,956,000 |
| Total capital | 53,287,000 | 54,237,000 | 54,647,000 | 54,780,000 |
| Risk-weighted assets | 311,147,000 | 333,112,000 | 337,719,000 | 329,915,000 |