Call reports 2006
UNITED BANK, INC. — 2006
What UNITED BANK, INC. 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 | 3,776,696,000 | 3,781,419,000 | 3,715,909,000 | 3,808,128,000 |
| Total loans | 2,865,698,000 | 2,903,659,000 | 2,874,771,000 | 2,887,027,000 |
| Allowance for loan losses | 27,628,000 | 27,608,000 | 27,597,000 | 27,259,000 |
| Securities available for sale | 532,684,000 | 498,418,000 | 466,871,000 | 458,971,000 |
| Securities held to maturity | 109,938,000 | 109,550,000 | 109,491,000 | 108,013,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,560,541,000 | 2,644,179,000 | 2,626,115,000 | 2,683,304,000 |
| Interest-bearing deposits | 2,118,168,000 | 2,209,503,000 | 2,457,751,000 | 2,454,860,000 |
| Noninterest-bearing deposits | 442,373,000 | 434,676,000 | 168,364,000 | 228,444,000 |
| Equity capital | 263,610,000 | 264,209,000 | 258,253,000 | 257,096,000 |
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 | 57,045,000 | 116,200,000 | 176,224,000 | 236,489,000 |
| Interest expense | 25,947,000 | 53,840,000 | 82,666,000 | 111,630,000 |
| Net interest income | 31,098,000 | 62,360,000 | 93,558,000 | 124,859,000 |
| Noninterest income | 13,449,000 | 24,872,000 | 35,717,000 | 47,227,000 |
| Noninterest expense | 20,179,000 | 40,095,000 | 76,397,000 | 96,534,000 |
| Provision for loan losses | 250,000 | 598,000 | 1,069,000 | 1,337,000 |
| Pretax income | 23,499,000 | 45,912,000 | 51,164,000 | 73,559,000 |
| Income tax | 7,543,000 | 14,738,000 | 16,338,000 | 23,303,000 |
| Net income | 15,956,000 | 31,174,000 | 34,826,000 | 50,256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 299,340,000 | 302,665,000 | 294,426,000 | 297,963,000 |
| Total capital | 331,449,000 | 334,720,000 | 326,328,000 | 329,701,000 |
| Risk-weighted assets | 3,017,742,000 | 2,992,539,000 | 3,027,687,000 | 3,052,880,000 |