Call reports 2007
UNITED COMMUNITY BANK — 2007
What UNITED COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 34,186,000 | 34,098,000 | 32,931,000 | 32,734,000 |
| Total loans | 20,135,000 | 20,418,000 | 20,033,000 | 19,857,000 |
| Allowance for loan losses | 243,000 | 221,000 | 305,000 | 225,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,007,000 | 10,010,000 | 9,512,000 | 5,692,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,870,000 | 29,788,000 | 28,775,000 | 28,614,000 |
| Interest-bearing deposits | 26,245,000 | 26,137,000 | 25,195,000 | 24,907,000 |
| Noninterest-bearing deposits | 3,625,000 | 3,651,000 | 3,579,000 | 3,707,000 |
| Equity capital | 4,222,000 | 4,215,000 | 4,063,000 | 4,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 470,000 | 954,000 | 1,415,000 | 1,882,000 |
| Interest expense | 212,000 | 406,000 | 602,000 | 793,000 |
| Net interest income | 258,000 | 548,000 | 813,000 | 1,089,000 |
| Noninterest income | 37,000 | 77,000 | 130,000 | 173,000 |
| Noninterest expense | 318,000 | 635,000 | 973,000 | 1,267,000 |
| Provision for loan losses | 0 | 0 | 132,000 | 145,000 |
| Pretax income | -23,000 | -10,000 | -162,000 | -150,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -23,000 | -10,000 | -162,000 | -150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,222,000 | 4,215,000 | 4,063,000 | 4,055,000 |
| Total capital | 4,465,000 | 4,436,000 | 4,314,000 | 4,280,000 |
| Risk-weighted assets | 20,231,000 | 20,314,000 | 20,037,000 | 20,013,000 |
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