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 |
|---|---|---|
| Total assets | 75,076,000 | 73,865,000 |
| Total loans | 36,659,000 | 36,944,000 |
| Allowance for loan losses | 919,000 | 899,000 |
| Securities available for sale | 25,258,000 | 23,645,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 64,886,000 | 62,912,000 |
| Interest-bearing deposits | 53,646,000 | 52,207,000 |
| Noninterest-bearing deposits | 11,240,000 | 10,705,000 |
| Equity capital | 7,365,000 | 8,419,000 |
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 |
|---|---|---|
| Interest income | 676,000 | 1,285,000 |
| Interest expense | 45,000 | 107,000 |
| Net interest income | 631,000 | 1,178,000 |
| Noninterest income | 135,000 | 359,000 |
| Noninterest expense | 698,000 | 1,388,000 |
| Provision for loan losses | 1,000 | -20,000 |
| Pretax income | 67,000 | 169,000 |
| Income tax | 19,000 | 61,000 |
| Net income | 48,000 | 108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Tier 1 capital | 7,340,000 | 8,420,000 |
| Total capital | 7,948,000 | 9,014,000 |
| Risk-weighted assets | 48,339,000 | 47,233,000 |
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