Call reports 2007
UNITED BANK, INC. — 2007
What UNITED BANK, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 3,739,264,000 | 3,830,054,000 | 3,910,820,000 | 4,255,983,000 |
| Total loans | 2,864,673,000 | 2,904,388,000 | 2,946,283,000 | 2,987,019,000 |
| Allowance for loan losses | 27,817,000 | 27,079,000 | 26,815,000 | 26,684,000 |
| Securities available for sale | 451,711,000 | 465,772,000 | 473,446,000 | 489,954,000 |
| Securities held to maturity | 108,218,000 | 103,079,000 | 95,422,000 | 95,426,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,728,999,000 | 2,733,678,000 | 2,690,714,000 | 2,676,778,000 |
| Interest-bearing deposits | 2,550,077,000 | 2,546,644,000 | 2,525,986,000 | 2,475,978,000 |
| Noninterest-bearing deposits | 178,922,000 | 187,034,000 | 164,728,000 | 200,800,000 |
| Equity capital | 259,914,000 | 267,500,000 | 274,952,000 | 271,143,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 59,935,000 | 120,790,000 | 183,241,000 | 245,755,000 |
| Interest expense | 29,109,000 | 58,605,000 | 89,071,000 | 119,512,000 |
| Net interest income | 30,826,000 | 62,185,000 | 94,170,000 | 126,243,000 |
| Noninterest income | 11,062,000 | 23,953,000 | 36,209,000 | 49,423,000 |
| Noninterest expense | 20,093,000 | 40,977,000 | 62,203,000 | 98,042,000 |
| Provision for loan losses | 500,000 | 1,350,000 | 2,900,000 | 4,837,000 |
| Pretax income | 21,245,000 | 43,755,000 | 65,461,000 | 72,943,000 |
| Income tax | 6,739,000 | 13,924,000 | 20,653,000 | 22,785,000 |
| Net income | 14,506,000 | 29,831,000 | 44,808,000 | 50,158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 300,277,000 | 307,709,000 | 311,682,000 | 305,114,000 |
| Total capital | 332,223,000 | 338,519,000 | 342,646,000 | 336,173,000 |
| Risk-weighted assets | 3,021,596,000 | 3,109,328,000 | 3,125,862,000 | 3,253,694,000 |