Call reports 2008
UNITED BANK, INC. — 2008
What UNITED BANK, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 4,232,434,000 | 4,167,356,000 | 4,077,253,000 | 4,186,130,000 |
| Total loans | 3,022,070,000 | 2,979,545,000 | 2,943,937,000 | 2,984,894,000 |
| Allowance for loan losses | 29,700,000 | 30,223,000 | 30,314,000 | 31,763,000 |
| Securities available for sale | 491,140,000 | 539,209,000 | 538,989,000 | 549,964,000 |
| Securities held to maturity | 92,779,000 | 87,941,000 | 77,205,000 | 67,820,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,781,151,000 | 2,811,078,000 | 2,773,262,000 | 2,818,114,000 |
| Interest-bearing deposits | 2,356,505,000 | 2,364,820,000 | 2,332,733,000 | 2,380,747,000 |
| Noninterest-bearing deposits | 424,646,000 | 446,258,000 | 440,529,000 | 437,367,000 |
| Equity capital | 276,069,000 | 280,674,000 | 278,722,000 | 260,153,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 60,569,000 | 116,100,000 | 170,862,000 | 222,034,000 |
| Interest expense | 27,867,000 | 51,272,000 | 73,561,000 | 93,059,000 |
| Net interest income | 32,702,000 | 64,828,000 | 97,301,000 | 128,975,000 |
| Noninterest income | 12,156,000 | 25,593,000 | 38,895,000 | 50,050,000 |
| Noninterest expense | 22,021,000 | 44,230,000 | 66,329,000 | 87,795,000 |
| Provision for loan losses | 1,300,000 | 4,963,000 | 7,548,000 | 11,613,000 |
| Pretax income | 22,358,000 | 42,037,000 | 54,101,000 | 71,362,000 |
| Income tax | 7,009,000 | 13,132,000 | 15,698,000 | 20,876,000 |
| Net income | 15,349,000 | 28,905,000 | 38,403,000 | 50,486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 312,369,000 | 319,031,000 | 319,528,000 | 323,611,000 |
| Total capital | 343,597,000 | 350,349,000 | 351,014,000 | 356,591,000 |
| Risk-weighted assets | 3,270,003,000 | 3,203,788,000 | 3,144,845,000 | 3,214,429,000 |