Call reports 2005
UNITED COMMUNITY BANK — 2005
What UNITED COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 67,996,000 | 70,011,000 | 71,676,000 | 71,878,000 |
| Total loans | 47,634,000 | 50,472,000 | 49,103,000 | 50,528,000 |
| Allowance for loan losses | 472,000 | 493,000 | 516,000 | 532,000 |
| Securities available for sale | 3,801,000 | 3,784,000 | 4,282,000 | 5,259,000 |
| Securities held to maturity | 1,664,000 | 1,634,000 | 1,634,000 | 1,627,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,087,000 | 63,951,000 | 65,371,000 | 65,516,000 |
| Interest-bearing deposits | 51,892,000 | 52,801,000 | 55,124,000 | 54,570,000 |
| Noninterest-bearing deposits | 10,195,000 | 11,150,000 | 10,247,000 | 10,946,000 |
| Equity capital | 5,594,000 | 5,703,000 | 5,886,000 | 6,009,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 873,000 | 1,833,000 | 2,839,000 | 3,854,000 |
| Interest expense | 237,000 | 517,000 | 835,000 | 1,184,000 |
| Net interest income | 636,000 | 1,316,000 | 2,004,000 | 2,670,000 |
| Noninterest income | 139,000 | 233,000 | 330,000 | 420,000 |
| Noninterest expense | 520,000 | 1,112,000 | 1,611,000 | 2,160,000 |
| Provision for loan losses | 14,000 | 35,000 | 56,000 | 77,000 |
| Pretax income | 241,000 | 402,000 | 667,000 | 853,000 |
| Income tax | 75,000 | 136,000 | 214,000 | 272,000 |
| Net income | 166,000 | 266,000 | 453,000 | 581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,615,000 | 5,715,000 | 5,902,000 | 6,030,000 |
| Total capital | 6,087,000 | 6,208,000 | 6,418,000 | 6,562,000 |
| Risk-weighted assets | 46,240,000 | 48,431,000 | 48,163,000 | 49,242,000 |
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