Call reports 2008
UNITED COMMUNITY BANK — 2008
What UNITED COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 34,290,000 | 35,193,000 | 32,585,000 | 31,998,000 |
| Total loans | 20,552,000 | 20,564,000 | 19,422,000 | 20,407,000 |
| Allowance for loan losses | 244,000 | 244,000 | 245,000 | 247,000 |
| Securities available for sale | 0 | 0 | 0 | 62,000 |
| Securities held to maturity | 7,197,000 | 5,700,000 | 6,019,000 | 4,015,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,132,000 | 31,013,000 | 28,416,000 | 27,985,000 |
| Interest-bearing deposits | 26,654,000 | 26,811,000 | 24,911,000 | 24,387,000 |
| Noninterest-bearing deposits | 3,478,000 | 4,202,000 | 3,505,000 | 3,598,000 |
| Equity capital | 4,059,000 | 4,088,000 | 4,091,000 | 3,957,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 458,000 | 892,000 | 1,315,000 | 1,696,000 |
| Interest expense | 193,000 | 378,000 | 538,000 | 680,000 |
| Net interest income | 265,000 | 514,000 | 777,000 | 1,016,000 |
| Noninterest income | 44,000 | 105,000 | 153,000 | 207,000 |
| Noninterest expense | 304,000 | 566,000 | 875,000 | 1,302,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 5,000 | 53,000 | 55,000 | -79,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 5,000 | 53,000 | 55,000 | -79,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,059,000 | 4,088,000 | 4,091,000 | 3,957,000 |
| Total capital | 4,303,000 | 4,332,000 | 4,336,000 | 4,204,000 |
| Risk-weighted assets | 21,651,000 | 21,842,000 | 20,799,000 | 21,318,000 |
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