Call reports 2009
UNITED BANK, INC. — 2009
What UNITED BANK, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 4,097,556,000 | 3,899,889,000 | 3,938,592,000 | 3,737,738,000 |
| Total loans | 2,960,658,000 | 2,960,791,000 | 2,942,926,000 | 2,900,514,000 |
| Allowance for loan losses | 33,061,000 | 34,677,000 | 35,521,000 | 35,615,000 |
| Securities available for sale | 517,142,000 | 488,839,000 | 447,271,000 | 402,939,000 |
| Securities held to maturity | 58,371,000 | 55,509,000 | 47,335,000 | 56,999,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,870,752,000 | 2,874,989,000 | 3,016,000,000 | 2,926,975,000 |
| Interest-bearing deposits | 2,387,334,000 | 2,373,218,000 | 2,493,432,000 | 2,376,990,000 |
| Noninterest-bearing deposits | 483,418,000 | 501,771,000 | 522,568,000 | 549,985,000 |
| Equity capital | 275,261,000 | 270,961,000 | 277,580,000 | 272,015,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 47,960,000 | 94,834,000 | 140,309,000 | 184,631,000 |
| Interest expense | 16,604,000 | 31,775,000 | 46,132,000 | 58,944,000 |
| Net interest income | 31,356,000 | 63,059,000 | 94,177,000 | 125,687,000 |
| Noninterest income | 10,696,000 | 22,478,000 | 34,073,000 | 45,313,000 |
| Noninterest expense | 21,963,000 | 45,112,000 | 67,819,000 | 90,611,000 |
| Provision for loan losses | 3,901,000 | 6,662,000 | 9,558,000 | 12,786,000 |
| Pretax income | 16,130,000 | 33,648,000 | 41,852,000 | 56,968,000 |
| Income tax | -6,425,000 | -709,000 | 1,006,000 | 5,328,000 |
| Net income | 22,555,000 | 34,357,000 | 40,846,000 | 51,640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 335,164,000 | 334,967,000 | 331,856,000 | 331,650,000 |
| Total capital | 369,463,000 | 370,775,000 | 368,502,000 | 368,388,000 |
| Risk-weighted assets | 3,184,894,000 | 3,187,498,000 | 3,019,745,000 | 2,987,477,000 |