Call reports 2014
UNITED BANK, INC. — 2014
What UNITED BANK, INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 5,121,081,000 | 5,193,861,000 | 5,334,865,000 | 5,424,901,000 |
| Total loans | 4,175,787,000 | 4,241,566,000 | 4,388,679,000 | 4,367,688,000 |
| Allowance for loan losses | 39,348,000 | 41,005,000 | 41,681,000 | 41,795,000 |
| Securities available for sale | 371,803,000 | 343,299,000 | 347,921,000 | 348,120,000 |
| Securities held to maturity | 36,506,000 | 36,467,000 | 35,893,000 | 35,233,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,131,623,000 | 4,076,757,000 | 4,089,111,000 | 4,307,611,000 |
| Interest-bearing deposits | 3,045,998,000 | 2,987,160,000 | 2,945,585,000 | 3,091,288,000 |
| Noninterest-bearing deposits | 1,085,625,000 | 1,089,597,000 | 1,143,526,000 | 1,216,323,000 |
| Equity capital | 509,964,000 | 509,378,000 | 515,721,000 | 519,579,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 46,088,000 | 91,314,000 | 138,575,000 | 186,080,000 |
| Interest expense | 4,258,000 | 8,469,000 | 12,671,000 | 16,855,000 |
| Net interest income | 41,830,000 | 82,845,000 | 125,904,000 | 169,225,000 |
| Noninterest income | 12,345,000 | 25,801,000 | 39,330,000 | 51,611,000 |
| Noninterest expense | 27,909,000 | 56,291,000 | 85,101,000 | 115,092,000 |
| Provision for loan losses | 3,519,000 | 9,897,000 | 13,472,000 | 16,597,000 |
| Pretax income | 22,293,000 | 41,848,000 | 62,501,000 | 85,695,000 |
| Income tax | 7,638,000 | 14,091,000 | 20,907,000 | 28,561,000 |
| Net income | 14,655,000 | 27,757,000 | 41,594,000 | 57,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 486,356,000 | 483,777,000 | 488,934,000 | 504,795,000 |
| Total capital | 526,857,000 | 526,036,000 | 531,336,000 | 547,205,000 |
| Risk-weighted assets | 4,228,673,000 | 4,276,685,000 | 4,408,209,000 | 4,375,613,000 |