Call reports 2013
UNITED BANK — 2013
What UNITED BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 3,539,693,000 | 3,493,351,000 | 3,581,286,000 | 3,659,845,000 |
| Total loans | 2,509,536,000 | 2,548,567,000 | 2,515,500,000 | 2,572,142,000 |
| Allowance for loan losses | 36,501,000 | 36,740,000 | 35,695,000 | 35,132,000 |
| Securities available for sale | 290,010,000 | 350,311,000 | 385,735,000 | 438,714,000 |
| Securities held to maturity | 4,560,000 | 4,561,000 | 4,397,000 | 4,398,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,675,839,000 | 2,587,260,000 | 2,490,705,000 | 2,502,873,000 |
| Interest-bearing deposits | 1,821,474,000 | 1,796,130,000 | 1,711,797,000 | 1,688,352,000 |
| Noninterest-bearing deposits | 854,365,000 | 791,130,000 | 778,908,000 | 814,521,000 |
| Equity capital | 626,707,000 | 627,201,000 | 632,293,000 | 639,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 30,309,000 | 60,681,000 | 91,313,000 | 121,930,000 |
| Interest expense | 3,520,000 | 6,844,000 | 10,093,000 | 12,966,000 |
| Net interest income | 26,789,000 | 53,837,000 | 81,220,000 | 108,964,000 |
| Noninterest income | 4,550,000 | 8,437,000 | 12,424,000 | 16,675,000 |
| Noninterest expense | 18,970,000 | 37,380,000 | 55,492,000 | 74,522,000 |
| Provision for loan losses | 2,264,000 | 5,766,000 | 7,113,000 | 7,887,000 |
| Pretax income | 9,890,000 | 18,810,000 | 30,721,000 | 37,946,000 |
| Income tax | 3,165,000 | 5,658,000 | 9,469,000 | 11,782,000 |
| Net income | 6,725,000 | 13,152,000 | 21,252,000 | 26,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 370,786,000 | 372,631,000 | 376,033,000 | 376,255,000 |
| Total capital | 406,365,000 | 408,345,000 | 411,428,000 | 412,120,000 |
| Risk-weighted assets | 2,846,434,000 | 2,855,323,000 | 2,830,326,000 | 2,870,698,000 |