Call reports 2006
UNITED BANK, NATIONAL ASSOCIATION — 2006
What UNITED BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 213,584,000 | 219,899,000 | 210,699,000 | 221,424,000 |
| Total loans | 92,733,000 | 91,277,000 | 91,312,000 | 92,843,000 |
| Allowance for loan losses | 1,992,000 | 1,951,000 | 1,838,000 | 1,866,000 |
| Securities available for sale | 95,524,000 | 90,859,000 | 94,206,000 | 90,026,000 |
| Securities held to maturity | 8,501,000 | 8,323,000 | 8,022,000 | 7,930,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,864,000 | 192,182,000 | 183,822,000 | 194,834,000 |
| Interest-bearing deposits | 163,219,000 | 169,745,000 | 161,065,000 | 172,017,000 |
| Noninterest-bearing deposits | 21,645,000 | 22,437,000 | 22,757,000 | 22,817,000 |
| Equity capital | 12,782,000 | 12,799,000 | 14,711,000 | 10,510,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,084,000 | 6,061,000 | 9,160,000 | 12,322,000 |
| Interest expense | 1,133,000 | 2,171,000 | 3,364,000 | 4,594,000 |
| Net interest income | 1,951,000 | 3,890,000 | 5,796,000 | 7,728,000 |
| Noninterest income | 500,000 | 1,072,000 | 1,665,000 | 2,218,000 |
| Noninterest expense | 1,591,000 | 3,184,000 | 4,739,000 | 6,348,000 |
| Provision for loan losses | -200,000 | -180,000 | -160,000 | -130,000 |
| Pretax income | 1,060,000 | 1,958,000 | 2,882,000 | 3,728,000 |
| Income tax | 343,000 | 625,000 | 916,000 | 1,191,000 |
| Net income | 717,000 | 1,333,000 | 1,966,000 | 2,537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,859,000 | 14,617,000 | 15,393,000 | 11,608,000 |
| Total capital | 15,283,000 | 16,033,000 | 16,726,000 | 12,947,000 |
| Risk-weighted assets | 113,312,000 | 112,724,000 | 106,103,000 | 106,575,000 |