Call reports 2012
UNITED BANK — 2012
What UNITED BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 67,453,000 | 67,309,000 | 69,228,000 | 67,169,000 |
| Total loans | 32,672,000 | 33,906,000 | 33,863,000 | 34,776,000 |
| Allowance for loan losses | 900,000 | 900,000 | 900,000 | 900,000 |
| Securities available for sale | 24,894,000 | 23,156,000 | 23,989,000 | 22,499,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,615,000 | 56,263,000 | 58,145,000 | 57,591,000 |
| Interest-bearing deposits | 47,703,000 | 47,733,000 | 47,762,000 | 47,294,000 |
| Noninterest-bearing deposits | 8,912,000 | 8,530,000 | 10,383,000 | 10,297,000 |
| Equity capital | 7,088,000 | 7,263,000 | 7,253,000 | 7,282,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 623,000 | 1,256,000 | 1,877,000 | 2,513,000 |
| Interest expense | 81,000 | 146,000 | 209,000 | 276,000 |
| Net interest income | 542,000 | 1,110,000 | 1,668,000 | 2,237,000 |
| Noninterest income | 146,000 | 325,000 | 462,000 | 668,000 |
| Noninterest expense | 582,000 | 1,106,000 | 1,689,000 | 2,341,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 117,000 | 342,000 | 524,000 | 745,000 |
| Income tax | 49,000 | 142,000 | 216,000 | 310,000 |
| Net income | 68,000 | 200,000 | 308,000 | 435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,991,000 | 7,123,000 | 7,103,000 | 7,230,000 |
| Total capital | 7,508,000 | 7,652,000 | 7,634,000 | 7,764,000 |
| Risk-weighted assets | 40,922,000 | 41,895,000 | 42,099,000 | 42,312,000 |