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 | 139,737,000 | 147,149,000 | 146,168,000 | 150,377,000 |
| Total loans | 114,858,000 | 121,708,000 | 119,952,000 | 122,976,000 |
| Allowance for loan losses | 2,454,000 | 2,394,000 | 2,391,000 | 2,178,000 |
| Securities available for sale | 11,020,000 | 10,300,000 | 9,912,000 | 9,399,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,029,000 | 115,258,000 | 120,347,000 | 117,754,000 |
| Interest-bearing deposits | 99,809,000 | 101,623,000 | 103,748,000 | 101,870,000 |
| Noninterest-bearing deposits | 14,220,000 | 13,635,000 | 16,599,000 | 15,884,000 |
| Equity capital | 22,437,000 | 22,365,000 | 22,493,000 | 22,933,000 |
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 | 1,545,000 | 3,181,000 | 4,824,000 | 6,473,000 |
| Interest expense | 204,000 | 405,000 | 615,000 | 826,000 |
| Net interest income | 1,341,000 | 2,776,000 | 4,209,000 | 5,647,000 |
| Noninterest income | 182,000 | 509,000 | 882,000 | 1,162,000 |
| Noninterest expense | 1,414,000 | 2,980,000 | 4,583,000 | 6,065,000 |
| Provision for loan losses | 0 | 0 | 0 | -500,000 |
| Pretax income | 109,000 | 305,000 | 508,000 | 1,244,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 109,000 | 305,000 | 508,000 | 1,244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,328,000 | 22,424,000 | 22,436,000 | 22,951,000 |
| Total capital | 23,622,000 | 23,776,000 | 23,852,000 | 24,406,000 |
| Risk-weighted assets | 102,437,000 | 107,151,000 | 110,200,000 | 115,716,000 |
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