Call reports 2015
UNITED BANK, INC. — 2015
What UNITED BANK, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 5,340,493,000 | 5,342,889,000 | 5,404,593,000 | 5,346,724,000 |
| Total loans | 4,297,955,000 | 4,354,223,000 | 4,428,754,000 | 4,459,027,000 |
| Allowance for loan losses | 42,057,000 | 42,626,000 | 43,289,000 | 43,314,000 |
| Securities available for sale | 343,111,000 | 322,830,000 | 328,440,000 | 320,458,000 |
| Securities held to maturity | 35,193,000 | 35,151,000 | 35,075,000 | 35,378,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,392,655,000 | 4,314,222,000 | 4,549,593,000 | 4,368,723,000 |
| Interest-bearing deposits | 3,166,686,000 | 3,121,291,000 | 3,309,442,000 | 3,150,111,000 |
| Noninterest-bearing deposits | 1,225,969,000 | 1,192,931,000 | 1,240,151,000 | 1,218,612,000 |
| Equity capital | 575,649,000 | 588,938,000 | 600,962,000 | 601,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 45,440,000 | 91,026,000 | 137,153,000 | 182,608,000 |
| Interest expense | 4,141,000 | 7,832,000 | 11,515,000 | 15,103,000 |
| Net interest income | 41,299,000 | 83,194,000 | 125,638,000 | 167,505,000 |
| Noninterest income | 12,616,000 | 26,316,000 | 39,435,000 | 51,950,000 |
| Noninterest expense | 29,540,000 | 58,656,000 | 88,853,000 | 118,869,000 |
| Provision for loan losses | 4,084,000 | 9,266,000 | 14,165,000 | 18,985,000 |
| Pretax income | 20,328,000 | 41,625,000 | 62,116,000 | 81,663,000 |
| Income tax | 6,233,000 | 13,261,000 | 19,055,000 | 25,603,000 |
| Net income | 14,095,000 | 28,364,000 | 43,061,000 | 56,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 519,076,000 | 533,632,000 | 543,617,000 | 547,903,000 |
| Total capital | 561,725,000 | 576,820,000 | 587,546,000 | 591,825,000 |
| Risk-weighted assets | 4,558,550,000 | 4,581,643,000 | 4,637,099,000 | 4,715,319,000 |