Call reports 2004
UNITED BANK, INC. — 2004
What UNITED BANK, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 3,729,093,000 | 3,631,964,000 | 3,606,258,000 | 3,772,888,000 |
| Total loans | 2,534,379,000 | 2,602,079,000 | 2,640,099,000 | 2,663,597,000 |
| Allowance for loan losses | 28,918,000 | 28,953,000 | 27,152,000 | 26,954,000 |
| Securities available for sale | 612,293,000 | 574,149,000 | 600,032,000 | 601,560,000 |
| Securities held to maturity | 128,423,000 | 126,266,000 | 125,318,000 | 125,326,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,264,760,000 | 2,289,524,000 | 2,304,684,000 | 2,348,531,000 |
| Interest-bearing deposits | 1,882,510,000 | 1,874,999,000 | 1,884,519,000 | 1,932,403,000 |
| Noninterest-bearing deposits | 382,250,000 | 414,525,000 | 420,165,000 | 416,128,000 |
| Equity capital | 259,308,000 | 250,960,000 | 257,395,000 | 262,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 43,673,000 | 87,043,000 | 131,515,000 | 177,633,000 |
| Interest expense | 15,245,000 | 30,986,000 | 46,395,000 | 62,946,000 |
| Net interest income | 28,428,000 | 56,057,000 | 85,120,000 | 114,687,000 |
| Noninterest income | 9,378,000 | 19,524,000 | 29,674,000 | 39,233,000 |
| Noninterest expense | 17,633,000 | 35,503,000 | 62,586,000 | 82,662,000 |
| Provision for loan losses | 1,357,000 | 1,896,000 | 3,192,000 | 4,420,000 |
| Pretax income | 19,119,000 | 38,495,000 | 49,384,000 | 67,206,000 |
| Income tax | 5,735,000 | 11,898,000 | 15,279,000 | 18,307,000 |
| Net income | 13,384,000 | 26,597,000 | 34,105,000 | 48,899,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 281,677,000 | 282,999,000 | 282,616,000 | 289,519,000 |
| Total capital | 311,595,000 | 312,952,000 | 312,918,000 | 320,060,000 |
| Risk-weighted assets | 2,750,327,000 | 2,774,835,000 | 2,808,382,000 | 2,815,217,000 |