Call reports 2012
UNITED BANK, INC. — 2012
What UNITED BANK, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 3,600,215,000 | 4,852,261,000 | 4,876,724,000 | 4,932,825,000 |
| Total loans | 2,734,861,000 | 3,780,564,000 | 3,899,590,000 | 3,993,845,000 |
| Allowance for loan losses | 36,253,000 | 36,427,000 | 37,014,000 | 37,372,000 |
| Securities available for sale | 239,010,000 | 333,876,000 | 335,369,000 | 336,136,000 |
| Securities held to maturity | 48,613,000 | 48,327,000 | 47,981,000 | 38,518,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,086,703,000 | 4,125,079,000 | 4,159,906,000 | 4,065,877,000 |
| Interest-bearing deposits | 2,353,965,000 | 3,200,254,000 | 3,197,114,000 | 3,129,163,000 |
| Noninterest-bearing deposits | 732,738,000 | 924,825,000 | 962,792,000 | 936,714,000 |
| Equity capital | 288,619,000 | 482,778,000 | 484,765,000 | 483,644,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 34,875,000 | 98,070,000 | 146,754,000 | 194,332,000 |
| Interest expense | 4,430,000 | 10,324,000 | 15,429,000 | 20,499,000 |
| Net interest income | 30,445,000 | 87,746,000 | 131,325,000 | 173,833,000 |
| Noninterest income | 10,347,000 | 25,126,000 | 38,681,000 | 51,445,000 |
| Noninterest expense | 23,935,000 | 61,428,000 | 94,532,000 | 123,902,000 |
| Provision for loan losses | 1,089,000 | 3,856,000 | 6,847,000 | 10,843,000 |
| Pretax income | 15,009,000 | 46,062,000 | 66,156,000 | 87,433,000 |
| Income tax | 4,803,000 | 14,740,000 | 21,170,000 | 27,979,000 |
| Net income | 10,206,000 | 31,322,000 | 44,986,000 | 59,454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 349,768,000 | 472,879,000 | 470,593,000 | 473,044,000 |
| Total capital | 384,844,000 | 510,759,000 | 508,712,000 | 511,451,000 |
| Risk-weighted assets | 2,803,787,000 | 3,849,956,000 | 3,958,920,000 | 4,024,535,000 |