Call reports 2006
UNITED BANK — 2006
What UNITED BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 2,945,642,000 | 2,912,187,000 | 2,951,872,000 | 2,904,254,000 |
| Total loans | 1,828,517,000 | 1,908,488,000 | 1,878,292,000 | 1,921,304,000 |
| Allowance for loan losses | 16,508,000 | 16,571,000 | 16,203,000 | 16,370,000 |
| Securities available for sale | 639,768,000 | 552,519,000 | 554,605,000 | 550,014,000 |
| Securities held to maturity | 99,771,000 | 99,562,000 | 98,508,000 | 98,153,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,169,322,000 | 2,136,502,000 | 2,149,997,000 | 2,168,803,000 |
| Interest-bearing deposits | 1,702,281,000 | 1,658,571,000 | 1,732,199,000 | 1,733,910,000 |
| Noninterest-bearing deposits | 467,041,000 | 477,931,000 | 417,798,000 | 434,893,000 |
| Equity capital | 374,813,000 | 372,514,000 | 376,726,000 | 376,334,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 39,428,000 | 81,129,000 | 124,444,000 | 167,316,000 |
| Interest expense | 14,984,000 | 31,843,000 | 50,895,000 | 70,448,000 |
| Net interest income | 24,444,000 | 49,286,000 | 73,549,000 | 96,868,000 |
| Noninterest income | 3,184,000 | 6,622,000 | 9,916,000 | 13,344,000 |
| Noninterest expense | 12,897,000 | 25,361,000 | 37,793,000 | 49,658,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 100,000 |
| Pretax income | 12,325,000 | 28,044,000 | 42,930,000 | 57,681,000 |
| Income tax | 3,956,000 | 9,002,000 | 13,522,000 | 17,848,000 |
| Net income | 8,369,000 | 19,042,000 | 29,408,000 | 39,833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 236,962,000 | 237,751,000 | 237,167,000 | 237,741,000 |
| Total capital | 263,319,000 | 264,090,000 | 263,299,000 | 263,874,000 |
| Risk-weighted assets | 2,376,720,000 | 2,415,094,000 | 2,369,181,000 | 2,425,967,000 |