Call reports 2005
UNITED BANK, INC. — 2005
What UNITED BANK, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 3,614,162,000 | 3,702,852,000 | 3,786,659,000 | 3,895,515,000 |
| Total loans | 2,691,991,000 | 2,763,032,000 | 2,818,572,000 | 2,817,137,000 |
| Allowance for loan losses | 27,031,000 | 27,042,000 | 27,203,000 | 27,794,000 |
| Securities available for sale | 556,493,000 | 571,595,000 | 554,921,000 | 555,006,000 |
| Securities held to maturity | 125,002,000 | 124,656,000 | 124,643,000 | 121,670,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,345,917,000 | 2,408,285,000 | 2,534,552,000 | 2,555,353,000 |
| Interest-bearing deposits | 1,937,188,000 | 1,974,210,000 | 2,071,084,000 | 2,092,378,000 |
| Noninterest-bearing deposits | 408,729,000 | 434,075,000 | 463,468,000 | 462,975,000 |
| Equity capital | 261,475,000 | 266,392,000 | 267,545,000 | 263,635,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 47,037,000 | 95,703,000 | 149,203,000 | 204,918,000 |
| Interest expense | 17,712,000 | 36,807,000 | 58,544,000 | 82,450,000 |
| Net interest income | 29,325,000 | 58,896,000 | 90,659,000 | 122,468,000 |
| Noninterest income | 9,203,000 | 19,142,000 | 29,153,000 | 39,322,000 |
| Noninterest expense | 17,640,000 | 35,824,000 | 54,139,000 | 73,085,000 |
| Provision for loan losses | 1,111,000 | 1,615,000 | 2,560,000 | 4,268,000 |
| Pretax income | 19,383,000 | 40,313,000 | 62,844,000 | 84,182,000 |
| Income tax | 6,189,000 | 12,761,000 | 19,892,000 | 26,670,000 |
| Net income | 13,194,000 | 27,552,000 | 42,952,000 | 57,512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 292,823,000 | 295,201,000 | 298,608,000 | 297,277,000 |
| Total capital | 323,554,000 | 326,320,000 | 329,998,000 | 329,469,000 |
| Risk-weighted assets | 2,799,274,000 | 2,936,487,000 | 2,926,199,000 | 3,000,995,000 |