Call reports 2005
UNITED BANK — 2005
What UNITED BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 2,744,856,000 | 2,862,886,000 | 2,911,644,000 | 2,923,544,000 |
| Total loans | 1,702,156,000 | 1,761,478,000 | 1,785,496,000 | 1,834,990,000 |
| Allowance for loan losses | 16,539,000 | 16,543,000 | 16,413,000 | 16,344,000 |
| Securities available for sale | 536,870,000 | 577,240,000 | 605,046,000 | 656,905,000 |
| Securities held to maturity | 101,492,000 | 100,805,000 | 99,913,000 | 99,543,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,022,982,000 | 2,126,413,000 | 2,130,917,000 | 2,085,184,000 |
| Interest-bearing deposits | 1,549,763,000 | 1,594,648,000 | 1,575,162,000 | 1,586,800,000 |
| Noninterest-bearing deposits | 473,219,000 | 531,765,000 | 555,755,000 | 498,384,000 |
| Equity capital | 371,036,000 | 374,023,000 | 373,458,000 | 374,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 32,478,000 | 66,353,000 | 102,924,000 | 142,020,000 |
| Interest expense | 8,252,000 | 17,791,000 | 28,958,000 | 41,606,000 |
| Net interest income | 24,226,000 | 48,562,000 | 73,966,000 | 100,414,000 |
| Noninterest income | 2,897,000 | 6,432,000 | 9,672,000 | 13,140,000 |
| Noninterest expense | 11,856,000 | 24,347,000 | 36,915,000 | 49,422,000 |
| Provision for loan losses | 0 | 0 | 1,000,000 | 1,350,000 |
| Pretax income | 15,896,000 | 31,169,000 | 46,217,000 | 63,280,000 |
| Income tax | 4,991,000 | 9,787,000 | 14,550,000 | 19,973,000 |
| Net income | 10,905,000 | 21,382,000 | 31,667,000 | 43,307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 230,123,000 | 230,607,000 | 230,601,000 | 236,368,000 |
| Total capital | 256,315,000 | 256,621,000 | 256,705,000 | 262,546,000 |
| Risk-weighted assets | 2,240,532,000 | 2,308,561,000 | 2,323,900,000 | 2,412,782,000 |