Call reports 2016
UNITED BANK — 2016
What UNITED BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 550,821,000 | 550,237,000 | 571,026,000 | 558,328,000 |
| Total loans | 293,182,000 | 298,370,000 | 304,277,000 | 299,552,000 |
| Allowance for loan losses | 3,668,000 | 4,057,000 | 4,072,000 | 3,912,000 |
| Securities available for sale | 120,158,000 | 118,857,000 | 140,440,000 | 160,904,000 |
| Securities held to maturity | 26,434,000 | 23,240,000 | 20,417,000 | 20,380,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 494,468,000 | 492,773,000 | 512,775,000 | 507,062,000 |
| Interest-bearing deposits | 285,880,000 | 282,987,000 | 283,821,000 | 286,636,000 |
| Noninterest-bearing deposits | 208,588,000 | 209,786,000 | 228,954,000 | 220,426,000 |
| Equity capital | 53,299,000 | 54,301,000 | 55,005,000 | 47,884,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,469,000 | 9,091,000 | 13,807,000 | 18,596,000 |
| Interest expense | 344,000 | 700,000 | 1,059,000 | 1,416,000 |
| Net interest income | 4,125,000 | 8,391,000 | 12,748,000 | 17,180,000 |
| Noninterest income | 1,283,000 | 2,627,000 | 4,131,000 | 5,507,000 |
| Noninterest expense | 4,378,000 | 8,681,000 | 12,893,000 | 17,174,000 |
| Provision for loan losses | 75,000 | 200,000 | 200,000 | 200,000 |
| Pretax income | 1,011,000 | 2,337,000 | 4,032,000 | 5,559,000 |
| Income tax | 288,000 | 687,000 | 1,215,000 | 1,727,000 |
| Net income | 723,000 | 1,650,000 | 2,817,000 | 3,832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,806,000 | 52,462,000 | 53,500,000 | 48,949,000 |
| Total capital | 55,479,000 | 56,524,000 | 57,580,000 | 52,873,000 |
| Risk-weighted assets | 332,508,000 | 341,135,000 | 345,111,000 | 347,813,000 |