Call reports 2016
UNITED BANK, INC. — 2016
What UNITED BANK, INC. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 5,465,656,000 | 6,065,355,000 | 6,060,018,000 | 5,969,150,000 |
| Total loans | 4,488,160,000 | 4,939,796,000 | 4,996,997,000 | 4,965,604,000 |
| Allowance for loan losses | 43,103,000 | 47,253,000 | 47,563,000 | 47,547,000 |
| Securities available for sale | 322,887,000 | 406,136,000 | 409,188,000 | 378,612,000 |
| Securities held to maturity | 35,336,000 | 30,305,000 | 30,246,000 | 29,532,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,461,761,000 | 4,423,117,000 | 4,629,592,000 | 4,769,331,000 |
| Interest-bearing deposits | 3,147,542,000 | 3,160,043,000 | 3,308,351,000 | 3,513,117,000 |
| Noninterest-bearing deposits | 1,314,219,000 | 1,263,074,000 | 1,321,241,000 | 1,256,214,000 |
| Equity capital | 606,657,000 | 615,656,000 | 631,261,000 | 643,128,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 46,121,000 | 93,019,000 | 143,824,000 | 195,104,000 |
| Interest expense | 3,343,000 | 6,608,000 | 10,509,000 | 14,527,000 |
| Net interest income | 42,778,000 | 86,411,000 | 133,315,000 | 180,577,000 |
| Noninterest income | 12,091,000 | 24,452,000 | 37,962,000 | 50,300,000 |
| Noninterest expense | 30,220,000 | 60,812,000 | 90,797,000 | 121,419,000 |
| Provision for loan losses | 4,323,000 | 9,884,000 | 16,265,000 | 19,172,000 |
| Pretax income | 20,326,000 | 40,223,000 | 64,271,000 | 90,342,000 |
| Income tax | 6,911,000 | 13,676,000 | 21,305,000 | 30,805,000 |
| Net income | 13,415,000 | 26,547,000 | 42,966,000 | 59,537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 549,591,000 | 556,995,000 | 573,687,000 | 590,530,000 |
| Total capital | 593,520,000 | 605,222,000 | 621,881,000 | 638,756,000 |
| Risk-weighted assets | 4,719,910,000 | 5,196,852,000 | 5,273,233,000 | 5,233,749,000 |