Call reports 2015
UNITED BANK — 2015
What UNITED BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 7,044,303,000 | 7,394,945,000 | 7,306,621,000 | 7,418,514,000 |
| Total loans | 4,754,038,000 | 4,742,736,000 | 4,756,505,000 | 4,935,736,000 |
| Allowance for loan losses | 33,516,000 | 32,589,000 | 32,191,000 | 32,411,000 |
| Securities available for sale | 818,677,000 | 800,479,000 | 775,525,000 | 741,517,000 |
| Securities held to maturity | 3,878,000 | 3,879,000 | 3,700,000 | 3,701,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,722,011,000 | 5,005,946,000 | 4,998,899,000 | 5,015,969,000 |
| Interest-bearing deposits | 3,375,280,000 | 3,539,618,000 | 3,530,091,000 | 3,530,213,000 |
| Noninterest-bearing deposits | 1,346,731,000 | 1,466,328,000 | 1,468,808,000 | 1,485,756,000 |
| Equity capital | 1,321,405,000 | 1,320,906,000 | 1,331,869,000 | 1,336,536,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 59,249,000 | 119,321,000 | 179,669,000 | 241,578,000 |
| Interest expense | 4,314,000 | 8,656,000 | 13,375,000 | 18,214,000 |
| Net interest income | 54,935,000 | 110,665,000 | 166,294,000 | 223,364,000 |
| Noninterest income | 5,040,000 | 10,597,000 | 15,761,000 | 21,803,000 |
| Noninterest expense | 29,552,000 | 57,584,000 | 86,329,000 | 114,998,000 |
| Provision for loan losses | 1,270,000 | 1,803,000 | 2,087,000 | 3,589,000 |
| Pretax income | 29,119,000 | 61,841,000 | 93,609,000 | 126,550,000 |
| Income tax | 8,921,000 | 19,719,000 | 30,470,000 | 41,505,000 |
| Net income | 20,198,000 | 42,122,000 | 63,139,000 | 85,045,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 664,387,000 | 668,879,000 | 676,464,000 | 687,937,000 |
| Total capital | 698,789,000 | 702,288,000 | 709,195,000 | 720,676,000 |
| Risk-weighted assets | 5,820,895,000 | 5,882,058,000 | 5,765,564,000 | 5,891,183,000 |