Call reports 2010
UNITED COMMUNITY BANK — 2010
What UNITED COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 88,400,000 | 85,362,000 | 84,738,000 | 89,175,000 |
| Total loans | 60,857,000 | 58,961,000 | 59,972,000 | 57,842,000 |
| Allowance for loan losses | 1,176,000 | 1,237,000 | 1,519,000 | 1,402,000 |
| Securities available for sale | 6,868,000 | 9,219,000 | 8,493,000 | 8,132,000 |
| Securities held to maturity | 463,000 | 463,000 | 433,000 | 433,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,279,000 | 74,804,000 | 74,456,000 | 79,203,000 |
| Interest-bearing deposits | 64,495,000 | 63,825,000 | 64,848,000 | 69,567,000 |
| Noninterest-bearing deposits | 11,784,000 | 10,979,000 | 9,608,000 | 9,636,000 |
| Equity capital | 7,795,000 | 7,902,000 | 7,931,000 | 7,712,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 987,000 | 1,963,000 | 2,916,000 | 3,879,000 |
| Interest expense | 217,000 | 428,000 | 605,000 | 779,000 |
| Net interest income | 770,000 | 1,535,000 | 2,311,000 | 3,100,000 |
| Noninterest income | 173,000 | 386,000 | 653,000 | 952,000 |
| Noninterest expense | 578,000 | 1,249,000 | 1,878,000 | 2,566,000 |
| Provision for loan losses | 70,000 | 130,000 | 415,000 | 1,015,000 |
| Pretax income | 295,000 | 542,000 | 671,000 | 471,000 |
| Income tax | 98,000 | 175,000 | 202,000 | 105,000 |
| Net income | 197,000 | 367,000 | 469,000 | 366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,645,000 | 7,747,000 | 7,771,000 | 7,478,000 |
| Total capital | 8,559,000 | 8,509,000 | 8,538,000 | 8,360,000 |
| Risk-weighted assets | 72,817,000 | 60,517,000 | 60,630,000 | 70,066,000 |
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