Call reports 2016
UNITED BANK — 2016
What UNITED BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 7,323,390,000 | 8,841,203,000 | 8,868,888,000 | 9,017,236,000 |
| Total loans | 4,895,629,000 | 5,489,289,000 | 5,449,723,000 | 5,383,977,000 |
| Allowance for loan losses | 32,386,000 | 25,195,000 | 25,094,000 | 25,225,000 |
| Securities available for sale | 740,988,000 | 913,024,000 | 897,303,000 | 875,224,000 |
| Securities held to maturity | 3,702,000 | 3,703,000 | 3,705,000 | 3,706,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,911,779,000 | 5,931,489,000 | 5,981,032,000 | 6,158,368,000 |
| Interest-bearing deposits | 3,428,690,000 | 4,049,181,000 | 4,048,613,000 | 4,241,251,000 |
| Noninterest-bearing deposits | 1,483,089,000 | 1,882,308,000 | 1,932,419,000 | 1,917,117,000 |
| Equity capital | 1,347,747,000 | 1,630,215,000 | 1,636,389,000 | 1,729,656,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 62,512,000 | 128,903,000 | 201,725,000 | 276,595,000 |
| Interest expense | 5,164,000 | 10,512,000 | 17,204,000 | 24,033,000 |
| Net interest income | 57,348,000 | 118,391,000 | 184,521,000 | 252,562,000 |
| Noninterest income | 4,703,000 | 8,614,000 | 14,164,000 | 18,576,000 |
| Noninterest expense | 28,757,000 | 60,125,000 | 92,546,000 | 125,005,000 |
| Provision for loan losses | -289,000 | 1,818,000 | 2,424,000 | 5,338,000 |
| Pretax income | 33,583,000 | 65,220,000 | 103,873,000 | 141,011,000 |
| Income tax | 11,418,000 | 22,175,000 | 34,274,000 | 47,834,000 |
| Net income | 22,165,000 | 43,045,000 | 69,599,000 | 93,177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 693,974,000 | 806,676,000 | 818,293,000 | 928,301,000 |
| Total capital | 726,727,000 | 832,291,000 | 843,878,000 | 953,891,000 |
| Risk-weighted assets | 5,777,862,000 | 6,377,738,000 | 6,348,317,000 | 6,305,567,000 |