Call reports 2004
UNITED COMMUNITY BANK — 2004
What UNITED COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 45,126,000 | 44,406,000 | 41,224,000 | 41,748,000 |
| Total loans | 26,534,000 | 24,753,000 | 24,118,000 | 22,716,000 |
| Allowance for loan losses | 360,000 | 281,000 | 286,000 | 288,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 14,043,000 | 14,232,000 | 12,726,000 | 12,522,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,763,000 | 40,059,000 | 36,845,000 | 37,428,000 |
| Interest-bearing deposits | 37,579,000 | 36,570,000 | 33,630,000 | 33,443,000 |
| Noninterest-bearing deposits | 3,184,000 | 3,489,000 | 3,215,000 | 3,985,000 |
| Equity capital | 4,270,000 | 4,244,000 | 4,292,000 | 4,239,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 583,000 | 1,146,000 | 1,683,000 | 2,207,000 |
| Interest expense | 173,000 | 336,000 | 493,000 | 654,000 |
| Net interest income | 410,000 | 810,000 | 1,190,000 | 1,553,000 |
| Noninterest income | 55,000 | 109,000 | 163,000 | 223,000 |
| Noninterest expense | 353,000 | 753,000 | 1,139,000 | 1,590,000 |
| Provision for loan losses | 23,000 | 78,000 | 78,000 | 78,000 |
| Pretax income | 89,000 | 88,000 | 136,000 | 108,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 89,000 | 88,000 | 136,000 | 108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,270,000 | 4,244,000 | 4,292,000 | 4,239,000 |
| Total capital | 4,609,000 | 4,525,000 | 4,578,000 | 4,527,000 |
| Risk-weighted assets | 27,072,000 | 25,741,000 | 24,900,000 | 23,947,000 |
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