Call reports 2007
UNITED BANK — 2007
What UNITED BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 2,823,585,000 | 2,835,436,000 | 3,859,227,000 | 4,079,556,000 |
| Total loans | 1,853,546,000 | 1,910,982,000 | 2,640,988,000 | 2,807,735,000 |
| Allowance for loan losses | 16,241,000 | 16,292,000 | 23,538,000 | 23,772,000 |
| Securities available for sale | 541,112,000 | 530,516,000 | 617,471,000 | 659,234,000 |
| Securities held to maturity | 90,652,000 | 57,438,000 | 56,720,000 | 55,692,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,037,674,000 | 1,990,782,000 | 2,684,520,000 | 2,703,478,000 |
| Interest-bearing deposits | 1,625,005,000 | 1,585,872,000 | 2,201,127,000 | 2,224,726,000 |
| Noninterest-bearing deposits | 412,669,000 | 404,910,000 | 483,393,000 | 478,752,000 |
| Equity capital | 376,955,000 | 378,331,000 | 591,753,000 | 591,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 41,099,000 | 82,222,000 | 137,368,000 | 195,529,000 |
| Interest expense | 18,825,000 | 38,019,000 | 63,559,000 | 90,275,000 |
| Net interest income | 22,274,000 | 44,203,000 | 73,809,000 | 105,254,000 |
| Noninterest income | 3,821,000 | 7,461,000 | 12,577,000 | 18,326,000 |
| Noninterest expense | 12,333,000 | 24,123,000 | 41,661,000 | 60,046,000 |
| Provision for loan losses | -150,000 | -150,000 | -150,000 | 493,000 |
| Pretax income | 14,022,000 | 27,934,000 | 45,007,000 | 63,131,000 |
| Income tax | 4,448,000 | 8,888,000 | 14,181,000 | 19,346,000 |
| Net income | 9,574,000 | 19,046,000 | 30,826,000 | 43,785,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 237,432,000 | 241,533,000 | 300,419,000 | 302,852,000 |
| Total capital | 263,371,000 | 267,443,000 | 333,572,000 | 336,037,000 |
| Risk-weighted assets | 2,344,381,000 | 2,365,668,000 | 3,155,820,000 | 3,287,622,000 |