Call reports 2006
UNITED BANK — 2006
What UNITED BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 60,552,000 | 63,626,000 | 66,818,000 | 67,978,000 |
| Total loans | 45,050,000 | 48,472,000 | 50,733,000 | 52,131,000 |
| Allowance for loan losses | 728,000 | 745,000 | 715,000 | 735,000 |
| Securities available for sale | 35,000 | 3,935,000 | 3,091,000 | 9,656,000 |
| Securities held to maturity | 11,618,000 | 7,107,000 | 5,223,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,008,000 | 52,749,000 | 55,668,000 | 57,212,000 |
| Interest-bearing deposits | 45,365,000 | 47,023,000 | 48,850,000 | 50,242,000 |
| Noninterest-bearing deposits | 5,643,000 | 5,726,000 | 6,818,000 | 6,970,000 |
| Equity capital | 5,222,000 | 5,420,000 | 5,508,000 | 5,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,068,000 | 2,245,000 | 3,568,000 | 4,980,000 |
| Interest expense | 370,000 | 790,000 | 1,287,000 | 1,827,000 |
| Net interest income | 698,000 | 1,455,000 | 2,281,000 | 3,153,000 |
| Noninterest income | 79,000 | 162,000 | 256,000 | 343,000 |
| Noninterest expense | 451,000 | 926,000 | 1,435,000 | 2,002,000 |
| Provision for loan losses | 12,000 | 30,000 | 49,000 | 72,000 |
| Pretax income | 314,000 | 661,000 | 1,053,000 | 1,422,000 |
| Income tax | 124,000 | 264,000 | 415,000 | 576,000 |
| Net income | 190,000 | 397,000 | 638,000 | 846,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,222,000 | 5,420,000 | 5,492,000 | 5,700,000 |
| Total capital | 5,700,000 | 6,020,000 | 6,122,000 | 6,357,000 |
| Risk-weighted assets | 41,275,000 | 47,847,000 | 50,354,000 | 52,442,000 |
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