Call reports 2008
UNITED BANK — 2008
What UNITED BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 4,037,491,000 | 4,094,939,000 | 4,199,542,000 | 4,169,787,000 |
| Total loans | 2,785,194,000 | 2,870,638,000 | 2,968,400,000 | 3,030,129,000 |
| Allowance for loan losses | 27,111,000 | 26,810,000 | 27,242,000 | 29,731,000 |
| Securities available for sale | 654,228,000 | 628,526,000 | 624,220,000 | 541,311,000 |
| Securities held to maturity | 52,151,000 | 47,183,000 | 45,576,000 | 44,496,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,660,240,000 | 2,686,313,000 | 2,754,776,000 | 2,864,736,000 |
| Interest-bearing deposits | 2,202,413,000 | 2,253,186,000 | 2,271,957,000 | 2,395,628,000 |
| Noninterest-bearing deposits | 457,827,000 | 433,127,000 | 482,819,000 | 469,108,000 |
| Equity capital | 593,623,000 | 590,154,000 | 593,643,000 | 580,549,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 55,389,000 | 107,607,000 | 160,766,000 | 213,054,000 |
| Interest expense | 23,519,000 | 42,557,000 | 61,897,000 | 80,260,000 |
| Net interest income | 31,870,000 | 65,050,000 | 98,869,000 | 132,794,000 |
| Noninterest income | 5,751,000 | 11,196,000 | 17,323,000 | 25,949,000 |
| Noninterest expense | 19,843,000 | 39,110,000 | 58,740,000 | 83,243,000 |
| Provision for loan losses | 800,000 | 1,489,000 | 5,400,000 | 13,541,000 |
| Pretax income | 17,101,000 | 35,771,000 | 52,176,000 | 62,083,000 |
| Income tax | 5,361,000 | 11,171,000 | 16,008,000 | 18,980,000 |
| Net income | 11,740,000 | 24,600,000 | 36,168,000 | 43,103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 306,402,000 | 312,402,000 | 320,909,000 | 328,481,000 |
| Total capital | 339,724,000 | 345,746,000 | 354,311,000 | 364,604,000 |
| Risk-weighted assets | 3,273,329,000 | 3,349,408,000 | 3,455,696,000 | 3,570,932,000 |