Call reports 2004
UNITED BANK — 2004
What UNITED BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 2,871,268,000 | 2,924,986,000 | 2,724,188,000 | 2,769,524,000 |
| Total loans | 1,903,008,000 | 1,930,893,000 | 1,627,632,000 | 1,756,949,000 |
| Allowance for loan losses | 21,556,000 | 21,549,000 | 18,067,000 | 16,411,000 |
| Securities available for sale | 538,885,000 | 525,009,000 | 610,731,000 | 609,051,000 |
| Securities held to maturity | 103,228,000 | 101,445,000 | 101,502,000 | 101,428,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,902,477,000 | 2,081,190,000 | 2,016,656,000 | 1,966,404,000 |
| Interest-bearing deposits | 1,356,305,000 | 1,531,842,000 | 1,545,300,000 | 1,496,462,000 |
| Noninterest-bearing deposits | 546,172,000 | 549,348,000 | 471,356,000 | 469,942,000 |
| Equity capital | 373,963,000 | 367,955,000 | 378,721,000 | 375,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 30,585,000 | 62,360,000 | 92,058,000 | 123,495,000 |
| Interest expense | 6,561,000 | 13,477,000 | 19,935,000 | 27,294,000 |
| Net interest income | 24,024,000 | 48,883,000 | 72,123,000 | 96,201,000 |
| Noninterest income | 9,750,000 | 22,712,000 | 43,446,000 | 46,994,000 |
| Noninterest expense | 19,899,000 | 41,393,000 | 61,084,000 | 72,678,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 14,168,000 | 30,621,000 | 54,886,000 | 70,672,000 |
| Income tax | 4,250,000 | 9,256,000 | 16,778,000 | 21,672,000 |
| Net income | 9,918,000 | 21,365,000 | 38,108,000 | 49,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 219,991,000 | 224,313,000 | 229,450,000 | 228,614,000 |
| Total capital | 247,047,000 | 251,362,000 | 256,123,000 | 254,926,000 |
| Risk-weighted assets | 2,286,045,000 | 2,334,610,000 | 2,180,147,000 | 2,283,201,000 |