Call reports 2013
UNITED COMMUNITY BANK — 2013
What UNITED COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 41,648,000 | 41,385,000 | 40,998,000 | 41,802,000 |
| Total loans | 28,002,000 | 27,285,000 | 27,538,000 | 27,215,000 |
| Allowance for loan losses | 270,000 | 270,000 | 270,000 | 272,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,471,000 | 2,468,000 | 4,341,000 | 4,339,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,589,000 | 37,360,000 | 35,725,000 | 37,705,000 |
| Interest-bearing deposits | 32,558,000 | 32,237,000 | 30,777,000 | 33,038,000 |
| Noninterest-bearing deposits | 5,031,000 | 5,123,000 | 4,948,000 | 4,667,000 |
| Equity capital | 4,008,000 | 3,955,000 | 3,954,000 | 4,041,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 393,000 | 773,000 | 1,158,000 | 1,550,000 |
| Interest expense | 33,000 | 68,000 | 102,000 | 139,000 |
| Net interest income | 360,000 | 705,000 | 1,056,000 | 1,411,000 |
| Noninterest income | 45,000 | 100,000 | 163,000 | 224,000 |
| Noninterest expense | 315,000 | 649,000 | 1,023,000 | 1,353,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 85,000 | 151,000 | 191,000 | 277,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 85,000 | 151,000 | 191,000 | 277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,008,000 | 3,955,000 | 3,954,000 | 4,041,000 |
| Total capital | 4,278,000 | 4,225,000 | 4,224,000 | 4,313,000 |
| Risk-weighted assets | 27,920,000 | 26,977,000 | 27,401,000 | 27,332,000 |