Call reports 2013
UNITED BANK, INC. — 2013
What UNITED BANK, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 4,908,482,000 | 5,056,858,000 | 5,005,920,000 | 5,081,543,000 |
| Total loans | 3,964,266,000 | 4,026,975,000 | 4,083,756,000 | 4,136,677,000 |
| Allowance for loan losses | 37,657,000 | 37,834,000 | 38,876,000 | 39,066,000 |
| Securities available for sale | 356,951,000 | 350,753,000 | 359,032,000 | 333,350,000 |
| Securities held to maturity | 38,481,000 | 37,904,000 | 37,835,000 | 36,547,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,067,480,000 | 4,043,870,000 | 4,157,038,000 | 4,166,234,000 |
| Interest-bearing deposits | 3,108,326,000 | 3,085,158,000 | 3,103,311,000 | 3,101,554,000 |
| Noninterest-bearing deposits | 959,154,000 | 958,712,000 | 1,053,727,000 | 1,064,680,000 |
| Equity capital | 487,474,000 | 490,619,000 | 495,087,000 | 506,180,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 46,059,000 | 91,176,000 | 137,246,000 | 184,312,000 |
| Interest expense | 4,919,000 | 9,796,000 | 14,505,000 | 19,017,000 |
| Net interest income | 41,140,000 | 81,380,000 | 122,741,000 | 165,295,000 |
| Noninterest income | 13,903,000 | 27,405,000 | 40,801,000 | 53,575,000 |
| Noninterest expense | 28,549,000 | 57,081,000 | 86,131,000 | 115,598,000 |
| Provision for loan losses | 2,924,000 | 4,381,000 | 7,811,000 | 11,380,000 |
| Pretax income | 22,951,000 | 46,704,000 | 68,981,000 | 90,820,000 |
| Income tax | 7,344,000 | 14,709,000 | 21,837,000 | 28,826,000 |
| Net income | 15,607,000 | 31,995,000 | 47,144,000 | 61,994,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 476,526,000 | 480,789,000 | 483,837,000 | 485,038,000 |
| Total capital | 515,354,000 | 519,927,000 | 524,193,000 | 525,517,000 |
| Risk-weighted assets | 4,031,566,000 | 4,096,602,000 | 4,174,091,000 | 4,201,251,000 |