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 | 79,249,000 | 81,811,000 | 84,084,000 | 86,037,000 |
| Total loans | 61,855,000 | 64,939,000 | 65,686,000 | 68,285,000 |
| Allowance for loan losses | 815,000 | 839,000 | 864,000 | 971,000 |
| Securities available for sale | 8,497,000 | 8,271,000 | 8,394,000 | 8,949,000 |
| Securities held to maturity | 962,000 | 962,000 | 962,000 | 936,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,205,000 | 67,808,000 | 68,683,000 | 70,066,000 |
| Interest-bearing deposits | 60,398,000 | 59,762,000 | 60,196,000 | 60,457,000 |
| Noninterest-bearing deposits | 7,807,000 | 8,046,000 | 8,487,000 | 9,609,000 |
| Equity capital | 6,737,000 | 6,820,000 | 6,963,000 | 6,998,000 |
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 | 1,289,000 | 2,481,000 | 3,697,000 | 4,892,000 |
| Interest expense | 476,000 | 847,000 | 1,247,000 | 1,604,000 |
| Net interest income | 813,000 | 1,634,000 | 2,450,000 | 3,288,000 |
| Noninterest income | 176,000 | 278,000 | 412,000 | 546,000 |
| Noninterest expense | 548,000 | 1,089,000 | 1,642,000 | 2,191,000 |
| Provision for loan losses | 44,000 | 71,000 | 98,000 | 383,000 |
| Pretax income | 397,000 | 764,000 | 1,134,000 | 1,272,000 |
| Income tax | 144,000 | 272,000 | 401,000 | 432,000 |
| Net income | 253,000 | 492,000 | 733,000 | 840,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,706,000 | 6,846,000 | 6,982,000 | 6,940,000 |
| Total capital | 7,442,000 | 7,606,000 | 7,753,000 | 7,743,000 |
| Risk-weighted assets | 58,773,000 | 60,760,000 | 61,580,000 | 64,092,000 |
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